🏠 UK Mortgage Planning 2026💼 SA302 & Tax Calculation💷 Multiplier 4.0x - 5.5x
Self-Employed Mortgage Affordability Calculator UK 2026
Estimate your UK mortgage borrowing potential as a sole trader, partner, or limited company director using standard lender assessment methods (2-year average, latest year, SA302, salary + dividends).
2026 Lender Underwriting Rules
Lenders generally require SA302 Tax Calculations and Tax Year Overviews for the last 2 years. Multipliers typically range from 4.0x to 4.5x assessable income.
Self-Employed Borrowing Estimator
Select your business structure, income method, and debt commitments
Required Self-Employed Mortgage Documents
| Business Structure | Required Tax Evidence | Accounting Evidence |
|---|---|---|
| Sole Trader | 2 Years SA302 & Tax Year Overviews | SA100 Tax Returns |
| Partnership | 2 Years SA302 & SA104 Partnership pages | Partnership Accounts |
| Limited Company Director | 2 Years SA302 + P60 | Certified Company Accounts & CT600 |
Frequently Asked Questions (6 Detailed FAQs)
Lenders consider your income, business accounts, tax calculations (SA302), outgoings, debts, credit history, deposit, and business stability.
4.5x is a common reference point, but not a guaranteed multiplier. Offers range from 4.0x to 5.5x depending on debts, deposit, and lender criteria.
An SA302 is HMRC’s tax calculation showing income and tax paid from Self Assessment. Combined with a Tax Year Overview, it is the primary evidence of earnings.
Directors can be assessed either on salary plus dividends drawn, or salary plus share of retained profit depending on lender policy.
Some specialist lenders accept 1 year of accounts if you have previous employment history in the same industry, but most prefer 2+ years.
Existing credit card balances, personal loans, car finance, childcare costs, household outgoings, and credit score reduce borrowing capacity.
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2026 Mortgage Benchmarks
Standard Multiplier4.5x Income
Accounts Required2 Years Common
Key HMRC DocumentSA302
Debt Outgoings TestReduces Capacity