The last twenty years has seen the number of self-employed already grow from 3.2m to 4.3m.

Ryan Brailsford, director of business development at Pepper Money, calls for a more nuanced approach to lending for self-employed individuals that goes beyond the rigid approach to...

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.