No tax return
Free no-obligation
red tape
Huge choice of

It’s not easy running your own business. Juggling the cashflow, managing staff, finding new customers, paying the bills, and keeping on top of the paperwork takes time and can be very stressful.

Unfortunately, things don’t get any easier for self-employed people when it comes to getting a mortgage.

If you haven’t filed your tax return yet, most lenders will reject you as they don’t have any way of verifying your income.

And even if you have filed your tax return, if it doesn’t show enough profit (or, worse still, shows a loss) then that can make it very difficult to get the size mortgage you need to buy the home you want.

On top of this, the constant ups and downs of self-employment income add another layer of complexity. One month, your business is booming, painting a picture of financial stability. But the next month might tell a different story, with income dips that make lenders nervous.

This unpredictability in your income can lead to even more stringent scrutiny from lenders, turning what should be a straightforward process into a drawn-out, demanding ordeal.

Every rejection or hurdle puts you further away from owning the home you’ve set your heart on for you and your family.

But fortunately, there is a way through this maze.

At Second Finance, we understand the unique struggles you face as a self-employed individual and we specialize in providing mortgage solutions that suit your specific circumstances.

We have a financing program that doesn’t rely on your tax returns for approval. So, even if you haven’t filed a tax return recently, we can help you buy the house of your dreams or take advantage of that real estate investment opportunity you’ve got your eye on.

And, unlike your own bank, we offer a massive range of different mortgage options, so you’re more likely to get approved even if you don’t fit the usual criteria or don’t have the W-2 or paycheck stubs that other lenders look for.

Plus we use a really simple and streamlined application process, with less paperwork and less fuss – so you can save time, avoid stress and get your loan approved faster.

Want to know more? Just fill out our quick enquiry form. It’s free, and there’s no obligation to commit.

One of our specialists in self-employed mortgages will call you back. They’ll get a few details from you and then find you the best mortgage option from the many lenders we work with.

We make getting a mortgage easier, so you can focus on running your business and living your life.

Get Started

Why Choose Us?

No Tax Return Needed

Because we work with such a wide range of lenders, including ones who specialise in mortgages for business owners and the self-employed, we can get you approved for a mortgage even if you haven’t filed your tax return yet.

This gives you more options when it comes to finding the best rate and it means you don’t have to delay applying for a mortgage while you wait for your accountant to prepare your tax return.

And if you’ve already filed a tax return that doesn’t show a high enough income, or if it shows you made a loss, then we can still get you a mortgage via one of the many specialist lenders we work with.

Fast Approvals

If you’re like most self-employed people we deal with, you didn’t go into business on your own in order to sit around waiting for other people to make decisions. You’re used to being able to crack on with things and get stuff done. 

That’s why, once your paperwork has been assessed, we’ll aim to get you a decision in principle from a lender the same day – and certainly way sooner than you’d get one from your own bank.

Save Time & Hassle

We deal with mortgages for the self-employed all day every day and we’ve been doing it for years. So once we’ve assessed your situation we’ll have a very good idea which lenders are most likely to approve you and which loan program best fits your needs.

This means we can go straight to the lender who’s most likely to say “yes” and we won’t waste your time or damage your credit rating by applying to multiple lenders who are going to turn you down.

Huge Choice

We have access to over 75 different mortgage lenders offering a choice of thousands of different products. So if we can’t find you a mortgage then you can be pretty sure no-one can.

We’ve invested in state-of-the-art software with advanced algorithms to allow us to quickly find the lenders who offer the best mortgage deals for your particular situation, even if you haven’t been in business for long or have a less-than-perfect credit score.

What Our Customers Say

Adriana Ugalde
Adriana Ugalde
Son un equipo con experiencia y de mi confianza. Me consta la dedicación que le dan a sus clientes y por eso los recomiendo.
Enrique Miguel Benitez
Enrique Miguel Benitez
Excellent service! Can't thank y'all enough!! Very helpful and great customer service. Highly recommend them!
Valerie Gomez
Valerie Gomez
Very patient and understanding would recommend
Astou Sy
Astou Sy
Very good customer service

How It Works


Get In Touch

Fill out the form and one of our brokers will call you back.


We'll Find Your Perfect Mortgage

Right after we take a few details, we will start your mortgage search.


We’ll Do Everything

We’ll help you choose the right product and then handle the application for you.


… until your mortgage is approved!

We’ll increase your chances of being accepted and help you each step of the way.

Maximize your borrowing and minimize your payments

  • No tax return required
  • Free no-obligation quotes
  • Less red tape
  • Huge choice of mortgages
Call and Talk to a Loan Specialist