Offset For Contractors And Self-Employed: Smoothing Irregular Cashflow
Irregular income doesn’t have to mean uneven cashflow. See how offset mortgages can reduce interest, keep cash liquid for invoices and tax, and flex with day-rate or self-employed earnings—plus when lenders may consider it and how to set your accounts up for success.
Do You Need 2 Years of Self‑Employed History?
Many lenders ask for 2 years of self‑employed history—but not all. Some may consider strong 1‑year cases, especially for contractors and newly promoted LLP partners. See what counts, what evidence helps, and how to position your application.
Do You Need a Bigger Deposit if You’re Self-Employed?
Being self-employed doesn’t mean you automatically need a bigger deposit — but lender policy varies. With the right income proof and presentation, it’s possible to access competitive rates from 10–15% deposit. Here’s what determines what you’ll need.