Being self-employed offers flexibility and independence, but it can also complicate your mortgage situation. Lenders often view self-employed individuals as higher risk due to fluctuating incomes. To secure a mortgage, you’ll need to provide extensive documentation, including tax returns, business financial statements, and possibly a letter from your accountant. It’s crucial to maintain a good credit score and save a larger deposit to improve your chances of approval. Consulting with a mortgage broker who understands the needs of self-employed borrowers can be beneficial. They can guide you through the process, helping you find lenders who are more accommodating and offering tailored advice to secure the best mortgage deal for your situation.