Self-Employed Income Assessment
Get Mortgage-Ready Without a Payslip—Designed for Self-Employed Borrowers.
Tired of lenders asking for documents you don't have? Our Self-Employed Income Assessment service helps you qualify for a mortgage using a smart, tailored approach built for real businesses—not 9-to-5 paychecks.
Why Self-Employed Income Assessment?
Traditional lenders often decline mortgage applications from self-employed individuals simply because they don’t fit the standard mold—no payslips, irregular income, or complex financials.
SmartMortgageDeals.com offers a Self-Employed Income Assessment service specifically built to solve this. With digital tools, expert guidance, and flexible qualifying criteria, we help entrepreneurs, freelancers, and business owners secure competitive mortgage deals without the frustration.
Who Is It For?
and business owners with non-traditional income structures
without regular payslips or salaried history
with multiple income sources
assisting self-employed clients with mortgage challenges
This service is perfect for those who’ve been declined by banks that insist on payslips, or anyone struggling to present their income in a way lenders understand and accept.
Key Benefits
No Payslip? No Problem
Qualify based on real income—bank statements, tax returns, or business performance.
Specialized Lender Access
We connect you with lenders experienced in self-employed mortgage approvals.
Less Paperwork, More Progress
Our digital-first process streamlines document collection and verification.
Concierge Support
A dedicated team guides you through every step, ensuring clarity and control.
Get a Deal That Works for You
Receive mortgage offers matched to your true financial profile—not rejected for what you don’t have.
Use Cases
How It Works
Complete a Simple Income Profile
Answer a few targeted questions about your business, income sources, and goals.
Upload Alternative Income Documents
Provide tax filings, bank statements, invoices, or financial statements—no payslips required.
We Analyze and Align Your Case
Our system and experts assess your documents to build a strong application narrative.
Get Matched with the Right Lenders
We connect you with lenders who understand self-employed income and offer flexible terms.
Track and Close with Confidence
Use our digital tools to monitor progress, manage documents, and finalize your deal.
Features
Alternative Income Verification
Accepts business financials, tax returns, and bank statements as qualifying income proof.
Lender Matching Engine
Connects your profile with lenders who specialize in self-employed mortgages.
Digital Document Hub
Upload and manage required documentation in one secure, easy-to-use dashboard.
Human Concierge Support
Real experts help you prepare, submit, and optimize your mortgage file.
Coverage Across U.S. and Canada
Fully localized for tax laws, income documentation, and lending policies in both markets.
Frequently Asked Questions
Why was I declined by a bank even though I earn well?
Traditional lenders often require payslips or standard salaried documentation, which doesn’t reflect real self-employed income.
Can I qualify with bank statements or tax returns?
Yes. We help you use non-traditional income proof to build a strong case with the right lenders.
Do I need a business license or incorporation?
Not necessarily. Sole proprietors, freelancers, and gig workers may also qualify using verified income sources.
Will this affect my credit score?
No. We pre-screen your case and match you with options before any credit checks are performed.
How long does the process take?
Most clients receive tailored lender matches within a few business days, depending on document availability.
Getting Started
Don’t let outdated lender rules block your path to homeownership.
With Self-Employed Income Assessment, you get the tools, expertise, and flexibility to qualify on your own terms.
Start today and get mortgage-ready—no payslip required.
Contact Us
Thank you for your interest. You have multiple options to connect with us.
Use the form to send us a message.