--- title: Self Employed Mortgages Coventry & Warwickshire | Jigsaw Independent description: Self employed? Our specialist mortgage advisors can help you find the best mortgage loans in Coventry, Warwickshire, and the Midlands. --- [![Jigsaw Independent Mortgage & Insurance Specialists](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=173&height=85&name=Jigsaw-logo-master-01%20(1).png "Jigsaw Independent Mortgage & Insurance Specialists")](https://www.jims.co.uk/) [![Jigsaw-logo-master-01 (1)](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=173&height=85&name=Jigsaw-logo-master-01%20(1).png "Jigsaw-logo-master-01 (1)")](https://www.jims.co.uk/) - About - [About us](https://www.jims.co.uk/about-us) - [Meet the team](https://www.jims.co.uk/meet-the-team) - Mortgages - [First Time Buyers](https://www.jims.co.uk/mortgage-for-first-time-buyers) - [Remortgaging](https://www.jims.co.uk/remortgage-broker) - [Buy to let](https://www.jims.co.uk/buy-to-let) - [Limited Company Directors](https://www.jims.co.uk/mortgage-for-limited-company-director) - [Self employed](https://www.jims.co.uk/mortgage-loans-for-self-employed) - [Product transfer](https://www.jims.co.uk/mortgage-product-transfer) - [Mortgages over 50s](https://www.jims.co.uk/mortgage-for-over-50) - [Homemovers](https://www.jims.co.uk/home-mover-mortgage) - Insurance & protection - [Life insurance](https://www.jims.co.uk/life-insurance-for-mortgage) - [Critical illness cover](https://www.jims.co.uk/critical-illness-cover-uk) - [Mortgage protection](https://www.jims.co.uk/mortgage-protection-coverage) - [Family Protection](https://www.jims.co.uk/family-protection-cover) - [Income protection](https://www.jims.co.uk/income-protection-cover) - Resources - [Blog](https://www.jims.co.uk/blog) - [Contact us](https://www.jims.co.uk/contact-us) More results [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJ8r4aSSzJSZ2qCIJ6mYL4hKRat3ymGi7dWrgrTTEio3VfdQB3CGLtau1x2Gy2Amvo30wGWxTYP1gerPCs3okFMojF8cvU9ZyifeZAECeEWtTxZaxUS3CEegtkV1AAnE6fRH7VSz2dxjavGVnC1ReyhQ8WCh2CX7li85htRPCxObdCWQFLJBaHzWjcdqhrZVO%2FojE5vWNGkwmx88CvcLNLmGTpc&webInteractiveContentId=251402243298&portalId=146424792) [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJ8r4aSSzJSZ2qCIJ6mYL4hKRat3ymGi7dWrgrTTEio3VfdQB3CGLtau1x2Gy2Amvo30wGWxTYP1gerPCs3okFMojF8cvU9ZyifeZAECeEWtTxZaxUS3CEegtkV1AAnE6fRH7VSz2dxjavGVnC1ReyhQ8WCh2CX7li85htRPCxObdCWQFLJBaHzWjcdqhrZVO%2FojE5vWNGkwmx88CvcLNLmGTpc&webInteractiveContentId=251402243298&portalId=146424792) [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJ8r4aSSzJSZ2qCIJ6mYL4hKRat3ymGi7dWrgrTTEio3VfdQB3CGLtau1x2Gy2Amvo30wGWxTYP1gerPCs3okFMojF8cvU9ZyifeZAECeEWtTxZaxUS3CEegtkV1AAnE6fRH7VSz2dxjavGVnC1ReyhQ8WCh2CX7li85htRPCxObdCWQFLJBaHzWjcdqhrZVO%2FojE5vWNGkwmx88CvcLNLmGTpc&webInteractiveContentId=251402243298&portalId=146424792) - About - [About us](https://www.jims.co.uk/about-us) - [Meet the team](https://www.jims.co.uk/meet-the-team) - Mortgages - [First Time Buyers](https://www.jims.co.uk/mortgage-for-first-time-buyers) - [Remortgaging](https://www.jims.co.uk/remortgage-broker) - [Buy to let](https://www.jims.co.uk/buy-to-let) - [Limited Company Directors](https://www.jims.co.uk/mortgage-for-limited-company-director) - [Self employed](https://www.jims.co.uk/mortgage-loans-for-self-employed) - [Product transfer](https://www.jims.co.uk/mortgage-product-transfer) - [Mortgages over 50s](https://www.jims.co.uk/mortgage-for-over-50) - [Homemovers](https://www.jims.co.uk/home-mover-mortgage) - Insurance & protection - [Life insurance](https://www.jims.co.uk/life-insurance-for-mortgage) - [Critical illness cover](https://www.jims.co.uk/critical-illness-cover-uk) - [Mortgage protection](https://www.jims.co.uk/mortgage-protection-coverage) - [Family Protection](https://www.jims.co.uk/family-protection-cover) - [Income protection](https://www.jims.co.uk/income-protection-cover) - Resources - [Blog](https://www.jims.co.uk/blog) - [Contact us](https://www.jims.co.uk/contact-us) [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJ8r4aSSzJSZ2qCIJ6mYL4hKRat3ymGi7dWrgrTTEio3VfdQB3CGLtau1x2Gy2Amvo30wGWxTYP1gerPCs3okFMojF8cvU9ZyifeZAECeEWtTxZaxUS3CEegtkV1AAnE6fRH7VSz2dxjavGVnC1ReyhQ8WCh2CX7li85htRPCxObdCWQFLJBaHzWjcdqhrZVO%2FojE5vWNGkwmx88CvcLNLmGTpc&webInteractiveContentId=251402243298&portalId=146424792) ![Jigsaw-logo-master-01 (1)](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=243&height=119&name=Jigsaw-logo-master-01%20(1).png) 104 - 106 Moseley Avenue, Coundon, Coventry, CV6 1HQ [info@jigsawindependent.co.uk](mailto:info@jigsawindependent.co.uk) [0800 177 7890](tel:0800%20177%207890) # Self-employed mortgage advice in Coventry & Warwickshire As independent brokers based in Coventry, we specialize in helping business owners, freelancers, and contractors across the West Midlands secure funding — even if you only have one year of trading history. You can [**speak with a self-employed mortgage specialist**](https://www.jims.co.uk/contact-us) today to find out what options are open to you.  [![How much can I borrow](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402245327.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLKmiVXADRPO8yaxcR1%2BbeWY2P%2FW7MVM4SjTa9DW6OwMUCxWqLzZcWxEB7sC16LXfho51oNOfEKjodhspNmL2KKRQ9g07uc6gChRlOOHaYEoE6hEYcNs8%2BO6fH5Jwldw%2B0DeGTtzmfKL9aA9Y5X0hw0CHm6eySlPNPfLPTgz7053F56f6ohmcbOnkNYPqBYdsMBJ3F%2BNMTM%2FWIcm4X5r4%2BnlXcfm&webInteractiveContentId=251402245327&portalId=146424792) ![Self-Employed Mortgage Advice in Coventry & Warwickshire](https://www.jims.co.uk/hubfs/Jigsaw%20Images%20(1).svg) ![Rate match guarantee](https://www.jims.co.uk/hubfs/Gurantee%20(2).svg) ### Rate match guarantee #### You won't find a better deal anywhere else and if you do we will pay the difference! ## Can you get a mortgage if you are self-employed? Being self-employed shouldn’t make getting a mortgage feel harder than it needs to. But if you've ever tried applying with only one year of accounts, retained profits, or fluctuating income, you’ve probably seen how rigid some lenders can be. At Jigsaw, we work with business owners, sole traders, freelancers and limited company directors to secure the mortgages they deserve, even when their income isn’t “standard.” We speak your language, understand your paperwork, and help you build a clear, confident path to approval. [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJ8r4aSSzJSZ2qCIJ6mYL4hKRat3ymGi7dWrgrTTEio3VfdQB3CGLtau1x2Gy2Amvo30wGWxTYP1gerPCs3okFMojF8cvU9ZyifeZAECeEWtTxZaxUS3CEegtkV1AAnE6fRH7VSz2dxjavGVnC1ReyhQ8WCh2CX7li85htRPCxObdCWQFLJBaHzWjcdqhrZVO%2FojE5vWNGkwmx88CvcLNLmGTpc&webInteractiveContentId=251402243298&portalId=146424792) ![Can you get a mortgage if you are self-employed?](https://www.jims.co.uk/hs-fs/hubfs/Images/Working-from-a-cafe.webp?width=2438&height=1875&name=Working-from-a-cafe.webp) ## Why is it harder for the self-employed? ![Why is it harder for the self-employed?](https://www.jims.co.uk/hs-fs/hubfs/Images/Freelancing-from-am-foreign-location.webp?width=2438&height=1875&name=Freelancing-from-am-foreign-location.webp) Many lenders assess self-employed applicants differently from PAYE employees. Even if your income is higher, it may not be straightforward to prove. Common challenges include: - Fluctuating or seasonal income - Business expenses reduce taxable income - Retained profits are not being counted - The assumption that you need three years of accounts - Difficulty accessing “high street” deals That’s where expert advice really counts, especially from a broker who understands how your income is structured. [![How much can I borrow](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402245327.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLKmiVXADRPO8yaxcR1%2BbeWY2P%2FW7MVM4SjTa9DW6OwMUCxWqLzZcWxEB7sC16LXfho51oNOfEKjodhspNmL2KKRQ9g07uc6gChRlOOHaYEoE6hEYcNs8%2BO6fH5Jwldw%2B0DeGTtzmfKL9aA9Y5X0hw0CHm6eySlPNPfLPTgz7053F56f6ohmcbOnkNYPqBYdsMBJ3F%2BNMTM%2FWIcm4X5r4%2BnlXcfm&webInteractiveContentId=251402245327&portalId=146424792) ## How do lenders calculate self-employed income? Lenders may ask for a mix of the following: #### SA302s and tax year overviews from HMRC (at least one full year) #### Finalised accounts (often prepared by a qualified accountant) #### Business bank statements (to show cash flow and turnover) #### Proof of deposit and ID #### Credit history checks You don’t always need three years of accounts. Some lenders are happy with just one or two; we’ll identify the best match based on your business profile.  High-street banks frequently miscalculate entrepreneurial income, missing out on your true borrowing power by failing to factor in retained net profits or fluctuating dividend structures. To ensure your true earnings are accurately represented to the right underwriters, you can [**request a tailored self-employed affordability review**](https://www.jims.co.uk/contact-us) with our Coventry-based team.  [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJ8r4aSSzJSZ2qCIJ6mYL4hKRat3ymGi7dWrgrTTEio3VfdQB3CGLtau1x2Gy2Amvo30wGWxTYP1gerPCs3okFMojF8cvU9ZyifeZAECeEWtTxZaxUS3CEegtkV1AAnE6fRH7VSz2dxjavGVnC1ReyhQ8WCh2CX7li85htRPCxObdCWQFLJBaHzWjcdqhrZVO%2FojE5vWNGkwmx88CvcLNLmGTpc&webInteractiveContentId=251402243298&portalId=146424792) ## Tips to strengthen your application We help our self-employed clients improve their chances by: - Reviewing income and tax records in advance - Working with your accountant to highlight true affordability - Clarifying any retained profits or dividend income - Identifying lenders who understand complex income - Explaining the process clearly, so you feel confident throughout [![How much can I borrow](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402245327.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLKmiVXADRPO8yaxcR1%2BbeWY2P%2FW7MVM4SjTa9DW6OwMUCxWqLzZcWxEB7sC16LXfho51oNOfEKjodhspNmL2KKRQ9g07uc6gChRlOOHaYEoE6hEYcNs8%2BO6fH5Jwldw%2B0DeGTtzmfKL9aA9Y5X0hw0CHm6eySlPNPfLPTgz7053F56f6ohmcbOnkNYPqBYdsMBJ3F%2BNMTM%2FWIcm4X5r4%2BnlXcfm&webInteractiveContentId=251402245327&portalId=146424792) ![Tips to strengthen your application](https://www.jims.co.uk/hs-fs/hubfs/Images/Shop-owner-calculating-finances.webp?width=2438&height=1875&name=Shop-owner-calculating-finances.webp) ## The process: How it works with Jigsaw Step 1 ### Initial phone call We ask a few questions to get a sense of your income, goals and business structure. Step 1 Step 2 ### Fact-finding appointment We review your tax documents, accounts and affordability. Then we create a plan to approach the right lenders. Step 2 Step 3 ### Agreement in principle This gives you clarity on what you can borrow, essential before house hunting or making an offer. Step 3 Step 4 ### Mortgage application We handle the full application, liaise with the lender, and resolve any documentation requests. Step 4 Step 5 ### Offer & completion We manage the process to completion, keeping things on track and handling communication with all parties. Step 5 Most cases are completed in 2–3 weeks, depending on the lender and the complexity of the income. [![I need a mortgage in principal](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251400168690.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLK%2BUfmbvqoFvZ9Iv%2BLJcsTSfSn%2BZgVpPFqhmVmU68MzzGX9ezYgcJkGj%2FaoCAs0vTtILd8Kd3Uoq45pQcL9AzwO1LrPRtyfqFh3k%2BYKpuOqxEQgS5Wf0kOHZI%2BG%2FoEg%2FsjJqN3te9Z7mNjoTcYYqJA%2FcIhc6k1h7oVW2dnWfeXVbfdQlnfinGZNI78QONXZOjbyLyJlN6nQ%2FspuGf%2B5yGyJvfkAIXXw1gWp0V5LLI8guSJ%2F2g%3D%3D&webInteractiveContentId=251400168690&portalId=146424792) ## Frequently asked questions How many years of accounts do I need for a self-employed mortgage?  While most high-street lenders prefer 2 to 3 years of accounts, JIMS has access to specialist specialist lenders who can assess your application with just 12 months of certified trading history or your latest SA302. What documents do I need to prove my income as a sole trader or director in Coventry? You will typically need your latest SA302 tax calculations and tax year overviews from HMRC, alongside 3 months of business bank statements. If you are a limited company director, finalized accounts showing net profit can also be utilized. Can I get a mortgage if my self-employed income dropped last year?  Yes, but it requires a human underwriter. Standard banks may automatically average your income down or reject the application, but our whole-of-market access allows us to place your case with lenders who look at the context behind your business performance. What’s an SA302, and how do I get it? It’s your tax summary from HMRC showing your declared income. You can download it from your online tax account, or we’ll show you how. Will retained profits be considered? Some lenders do count them, especially if you're a company director. We’ll help match you with one who does. I was declined by my bank, can I still apply? Yes. We have access to the whole market and specialist lenders who look at the bigger picture. [Back to top](https://www.jims.co.uk/mortgage-loans-for-self-employed#top) ![Get expert help today](https://www.jims.co.uk/hs-fs/hubfs/Images/Looking-for-houses-online.webp?width=2438&height=1875&name=Looking-for-houses-online.webp) ## Get expert help today If you're self-employed and unsure where to start, the best time to act is *before* you're ready to apply. A quick conversation now can save time, money and stress later. Book your free appointment with Jigsaw today and discover what’s possible. [![Contact us](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-276195432684.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLLHECzvIBazA22lRZiiEhVew3TxsfbwZHFasHtv15Omk79ko9G4CBTs7dy9SS%2FJAz58xBKUhY%2Bcx8JcqHs4HBrZK98YZf4pF9sBgqKl9No%2Fg7ZVzM2hdeqorL2fXUYK53m1vrkgSv4aH1a7HZyKAf8FRAXvopmP3fLcIcgB3I1aV2pw0G2hVW2pQ%2BJowATkxeXbadxplOlYUg7wIE3%2FsPlaINfqCw%3D%3D&webInteractiveContentId=276195432684&portalId=146424792) ## How can we help you? ![Get a quick estimate of your buying power](https://www.jims.co.uk/hs-fs/hubfs/Rate%20match.webp?width=100&height=100&name=Rate%20match.webp) ### Know your budget Get a quick estimate of your buying power based on your income and budget. [![How much can I borrow](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402245327.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLKmiVXADRPO8yaxcR1%2BbeWY2P%2FW7MVM4SjTa9DW6OwMUCxWqLzZcWxEB7sC16LXfho51oNOfEKjodhspNmL2KKRQ9g07uc6gChRlOOHaYEoE6hEYcNs8%2BO6fH5Jwldw%2B0DeGTtzmfKL9aA9Y5X0hw0CHm6eySlPNPfLPTgz7053F56f6ohmcbOnkNYPqBYdsMBJ3F%2BNMTM%2FWIcm4X5r4%2BnlXcfm&webInteractiveContentId=251402245327&portalId=146424792) ![Get a mortgage in principle](https://www.jims.co.uk/hs-fs/hubfs/3.webp?width=100&height=100&name=3.webp) ### Get mortgage in principle Secure a lender-backed agreement to strengthen your offer on a property. [![I need a mortgage in principal](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251400168690.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLK%2BUfmbvqoFvZ9Iv%2BLJcsTSfSn%2BZgVpPFqhmVmU68MzzGX9ezYgcJkGj%2FaoCAs0vTtILd8Kd3Uoq45pQcL9AzwO1LrPRtyfqFh3k%2BYKpuOqxEQgS5Wf0kOHZI%2BG%2FoEg%2FsjJqN3te9Z7mNjoTcYYqJA%2FcIhc6k1h7oVW2dnWfeXVbfdQlnfinGZNI78QONXZOjbyLyJlN6nQ%2FspuGf%2B5yGyJvfkAIXXw1gWp0V5LLI8guSJ%2F2g%3D%3D&webInteractiveContentId=251400168690&portalId=146424792) ![See what your monthly payments could look like](https://www.jims.co.uk/hs-fs/hubfs/4.webp?width=100&height=100&name=4.webp) ### See your monthly payments See what your monthly payments could look like with our easy mortgage calculator. [![Calculate my mortgage](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402243298.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLJ8r4aSSzJSZ2qCIJ6mYL4hKRat3ymGi7dWrgrTTEio3VfdQB3CGLtau1x2Gy2Amvo30wGWxTYP1gerPCs3okFMojF8cvU9ZyifeZAECeEWtTxZaxUS3CEegtkV1AAnE6fRH7VSz2dxjavGVnC1ReyhQ8WCh2CX7li85htRPCxObdCWQFLJBaHzWjcdqhrZVO%2FojE5vWNGkwmx88CvcLNLmGTpc&webInteractiveContentId=251402243298&portalId=146424792) ## Find out what you can afford in minutes ***Get clarity before you start house hunting*** Understanding what you can realistically afford is the first step towards a stress-free home-buying journey. Our affordability tool gives you a quick, realistic estimate of how much you may be able to borrow, based on your income, outgoings, and deposit. ***A quick check, with no impact on your credit score*** The tool is completely free to use, takes just a couple of minutes, and won’t affect your credit score — so you can explore your options with confidence and no pressure. ***Plan with confidence, whatever your next step*** Whether you’re a first-time buyer, moving home, or simply exploring what’s possible, this check helps you set a clear budget, focus on the right properties, and avoid unwelcome surprises later on. [![How much can I borrow](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-251402245327.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLKmiVXADRPO8yaxcR1%2BbeWY2P%2FW7MVM4SjTa9DW6OwMUCxWqLzZcWxEB7sC16LXfho51oNOfEKjodhspNmL2KKRQ9g07uc6gChRlOOHaYEoE6hEYcNs8%2BO6fH5Jwldw%2B0DeGTtzmfKL9aA9Y5X0hw0CHm6eySlPNPfLPTgz7053F56f6ohmcbOnkNYPqBYdsMBJ3F%2BNMTM%2FWIcm4X5r4%2BnlXcfm&webInteractiveContentId=251402245327&portalId=146424792) [![Lets Talk..](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-384044057826.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLL6TZO9yTycVwdyM04IY2RDfxrJN1WaQuuFP1MtwzCDrXv0CcYNgtVOW%2BpAOA0%2F4FR9yWoTYa8Y4QzSzlUgaPQcql9%2BBS2UENPsM3LQM47IE%2B48rvPpcYvGV17U0qbBLJEYKC6Q4%2FNLZ11%2FTamwFasQFt3ll07OD8mq%2B0xj5%2Fgm0yKnzReAaBjQg0JwpS%2BTILfZl7IDQzr6yB17HG92%2FZI%3D&webInteractiveContentId=384044057826&portalId=146424792) ![Find out what you can afford in minutes](https://www.jims.co.uk/hubfs/Jigsaw%20Mockup.svg) ### Whether you're buying or remortgaging, we’ll give you clear advice so you can make informed decisions [![Call us](https://hubspot-no-cache-eu1-prod.s3.amazonaws.com/cta/default/146424792/interactive-388830883035.png)](https://www.jims.co.uk/hs/cta/wi/redirect?encryptedPayload=AVxigLKLykURnjXLaD2qmkC%2B44q56NdGtrjgpNZXX3c%2F5HFqi8gENtLAgbURIHeL9vO31pKXfERNdiNfzyoHTgZIoTMcap4%2BzSiPiiuyLFKpGRQXZw0ReCSTwPt%2FS3Ju8qkina0rhkW4YiuiEy9H6X%2Fgv9EuRCmvFEJ2nOZwgQLKKPP95%2FeloyQw%2BA%3D%3D&webInteractiveContentId=388830883035&portalId=146424792) #### [![Jigsaw Independent Mortgage & Insurance Specialists](https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png?width=182&height=89&name=Jigsaw-logo-master-01%20(1).png)](https://www.jims.co.uk/) 104 - 106 Moseley Avenue, Coundon, Coventry, CV6 1HQ **Registration No:** 04654900   [0800 177 7890](tel:%200800%20177%207890) [info@jigsawindependent.co.uk](mailto:info@jigsawindependent.co.uk) About - [About us](https://www.jims.co.uk/about-us) - [Meet the team](https://www.jims.co.uk/meet-the-team) - [Blogs](https://www.jims.co.uk/blog) Mortgages - [First time buyers](https://www.jims.co.uk/mortgage-for-first-time-buyers) - [Remortgaging](https://www.jims.co.uk/remortgage-broker) - [Buy to let](https://www.jims.co.uk/buy-to-let) - [Limited company directors](https://www.jims.co.uk/mortgage-for-limited-company-director) - [Self employed](https://www.jims.co.uk/mortgage-loans-for-self-employed) - [Product transfer](https://www.jims.co.uk/mortgage-product-transfer) - [Mortgages over 50s](https://www.jims.co.uk/mortgage-for-over-50) Insurance Protection - [Life insurance](https://www.jims.co.uk/life-insurance-for-mortgage) - [Critical illness cover](https://www.jims.co.uk/critical-illness-cover-uk) - [Mortgage protection](https://www.jims.co.uk/mortgage-protection-coverage) - [Family protection](https://www.jims.co.uk/family-protection-cover) - [Income protection](https://www.jims.co.uk/income-protection-cover) Jigsaw Independent Mortgage Specialists Ltd is Authorised and Regulated by the Financial Conduct Authority (FCA Number: 449134). Your home may be repossessed if you do not keep up repayments on your mortgage. Copyright © 2026 Jigsaw Independent Mortgage Specialists. Designed & developed by [JDR Group](http://www.jdrgroup.co.uk). - [Terms](https://www.jims.co.uk/terms-conditions) - [Privacy](https://www.jims.co.uk/privacy-policy) - [Cookies](https://www.jims.co.uk/cookie-policy) ```json { "@context" : "https://schema.org", "@type" : "LocalBusiness", "address" : { "@type" : "PostalAddress", "addressCountry" : "UK", "addressLocality" : "Coventry", "postalCode" : "CV6 1HQ", "streetAddress" : "104 - 106 Moseley Avenue, Coundon" }, "alternateName" : "Jigsaw Independent", "contactPoint" : { "@type" : "ContactPoint", "areaServed" : "GB", "availableLanguage" : "en", "contactType" : "customer service", "telephone" : "+44 800 177 7890" }, "geo" : { "@type" : "GeoCoordinates", "latitude" : 52.4196, "longitude" : -1.5343 }, "image" : "https://www.jims.co.uk/hubfs/Jigsaw%20Mockup.svg", "logo" : "https://www.jims.co.uk/hs-fs/hubfs/Jigsaw-logo-master-01%20(1).png", "name" : "Jigsaw Independent Mortgage Specialists Ltd", "openingHours" : [ "Mo 09:30-18:00", "Tu 09:30-18:00", "We 09:30-18:00", "Th 09:30-18:00", "Fr 09:30-18:00", "Sa Closed", "Su Closed" ], "priceRange" : "£", "sameAs" : [ "https://www.facebook.com/jigsawindependent/" ], "telephone" : "0808 531 0462", "url" : "https://www.jims.co.uk/" } ``` ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes, some lenders will accept this, especially if the business is growing or has a strong financial record." }, "name" : "Can I get a mortgage with only one year of accounts?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "It’s your tax summary from HMRC showing your declared income. You can download it from your online tax account, or we’ll show you how." }, "name" : "What’s an SA302, and how do I get it?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Some lenders do count them, especially if you're a company director. We’ll help match you with one who does." }, "name" : "Will retained profits be considered?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes. We have access to the whole market and specialist lenders who look at the bigger picture." }, "name" : "I was declined by my bank, can I still apply?" } ] } ``` ```json { "@context" : "https://schema.org", "@type" : "WebPage", "description" : "Self employed? 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