20% say a fluctuating income means they’ve had to push back their property ownership ambitions.

The Versatility range includes products for borrowers with complex circumstances.

46% think self-employment makes it a lot more difficult to get a mortgage.

Four in ten first time buyers have given up being self-employed to get a mortgage.

Over a sixth of regulated mortgage lending in 2023 fell into one or more specialist categories.

Saffron has reduced rates by up to 0.60% and launched an 85% LTV range, improving affordability for contractors and self-employed borrowers.

Pepper can now use the latest year’s net profit within an affordability calculation.

1 in 10 found the process too daunting to apply or didn’t know enough about it.

The Society will now accept one year’s worth of accounts.

The lender says the range will support those who are newly self-employed and may only have one year’s accounts.