Self-employed applicants are not automatically charged higher mortgage rates, but some lenders may apply stricter affordability checks or offer fewer products. They commonly ask for two or three years of accounts, SA302 tax calculations and tax year overviews, although requirements vary and some accept less trading history. Lenders may assess your average or latest profits, dividends and retained business profits differently, so keeping clear records can help. An FCA-authorised mortgage broker can explain which lenders may fit your circumstances and compare available rates.