Your business success shouldn’t wait three years for a home.

Being your own boss comes with many benefits—but when it comes to getting a mortgage, things can feel more complicated. If you’re self-employed with only two years of trading history, you might be worried about whether you’ll qualify for a mortgage. The good news? You have options.

You Can Get a Mortgage – We’ll Show You How

​

At Optimus Mortgages, we specialise in helping self-employed entrepreneurs like you who have a short trading history – we know your business potential matters more than your trading years when it comes to getting your next mortgage. Even if you don’t have three years of accounts, we can work with lenders who understand your situation and assess your income more flexibly.

​

We can help you:

​

✅ Find lenders who accept two years of trading history.
✅ Use your latest accounts, tax returns, or projected earnings to boost affordability.
✅ Explore specialist self-employed mortgage options suited to tradespeople.
✅ Get a competitive deal that works for your income and future plans.