Being self-employed does not automatically mean you’ll pay a higher mortgage rate, but lenders may assess your income differently and apply their own criteria. They may ask for two or three years of accounts, SA302 forms or tax year overviews, business bank statements and evidence of regular income. Your rate will also depend on factors such as deposit size, loan-to-value, credit history, affordability and the lender’s current deals. An FCA-authorised mortgage broker may help you compare suitable lenders, while GOV.UK explains how to obtain your tax calculations and overviews.