Self-Employed and Looking for a Mortgage in Ireland? We Can Help!

At Ezfees Financial, we understand the unique challenges faced by self-employed individuals in the mortgage application process, and we are here to help. Our team of experts has years of experience working with business owners like you, and we’re committed to helping you get the financing you need to purchase your dream home.

Qualifications for Self-Employed Individuals

From a bank or mortgage lender’s perspective, you are considered self-employed if you fall into any of the following categories:

  • Working freelance
  • Sole trader or business owner
  • Company director
  • Director of a partnership

Unlike those with a contract of employment and a stated income, your income as a self-employed individual is directly related to the day-to-day performance of your business.

How Many Years of Trading is Required for a Mortgage?

To apply for a mortgage, you will typically need to show consistent income from self-employment for a duration of 2 to 3 years. However, the exact duration may vary from lender to lender.

Additional Documentation for Self-Employed Applicants

In addition to standard items, you will need to provide the following documentation when applying for a mortgage as a self-employed individual:

  • Proof of identification, such as a recent passport or driving license
  • Proof of address, such as a recent utility bill or bank statement
  • Your PPS number (Personal Public Service Number)
  • Proof of income, including your most recent accountant-certified audited financial accounts (typically 2 years)
  • Bank statements, covering 6 months of both business and personal accounts, as well as any business borrowing statements
  • Revenue documents, including 2 to 3 years of your most recent Revenue Acknowledged Forms 11 and tax clearance confirmation

Partner with Ezfees Financial for Expert Guidance

At Ezfees Financial, we believe that everyone deserves the opportunity to own their own home, and we are committed to helping you achieve that goal. With our expertise and personalized approach, we can help make your dream of homeownership a reality. Contact us today at 0818 910800 to learn more about the self-employed mortgage application process and how we can assist you.


Navigating the mortgage application process as a self-employed individual can be challenging, but with the help of Ezfees Financial, you can overcome these challenges. We understand the unique needs of self-employed individuals and are dedicated to helping you secure the mortgage you need. Contact us today to begin your journey toward homeownership.

Business Owner Consultation

Your business is your baby, so it deserves protection. Our team of experts will guide you through informed decisions to provide tailored policies. Shield your business against unexpected setbacks and ensure stability, whether you’re a startup or an established corporation. We’ll create a financial plan that will guide the balance of your personal finances and your long-term business goals.

What’s in this for you? Discuss your business finances in confidence with trustworthy advisors to:
1) Create a money management plan to suit your business
2) Align your business and personal objectives
3) Get clarity and validation on your strategies from dedicated Financial Advisors committed to safeguarding your business finances
4) Be advised when you need to speak to Tax Advisors where relevant
5) Obtain guidance onto Owner/Director on Pension planning and legislation
6) Referral to a Life/Business Coach where relevant

Plan for your business’s long-term financial goals:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Safeguard your business and your future

Investment Consultation

With low deposit rates and high inflation rates, savings and investment plans are appealing right now. We understand what it’s like to make sacrifices to accelerate your savings goals so you can achieve your dreams. That’s why we provide expert guidance so you can take charge of your future without sacrificing your valuable time.

What’s in this for you? Why you should consider savings and investment plans?
1) The potential for higher returns
2) Flexibility in the amount you save
3) Short, medium and long term options to suit your goals, amounts and terms to save
4) Investment options appropriate to suit your needs and goals

How you can save to secure your dreams:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Make your Dreams a reality

Mortgage Consultation

Whether you are a first-time buyer, mover, switcher or looking to invest in a rental property, we have a mortgage solution to fit your unique situation. Over 60 and looking to release equity in your home to support your children, go on that dream holiday or pay off bills? We find the mortgage most suitable for you and your family’s needs and support you through the entire process. You’re guaranteed to find the best mortgage option for your financial needs and goals, with impartial advice and competitive rates.

Clear, simple, actionable advice for all your mortgage needs:
1) First time buyers
2) First Home Scheme/ Local Affordable Authority Scheme
3) Switchers
4) Home Movers
5) Investment Property
6) Self Employed
7) Contract Workers
9) Lifetime Loan (over 60’s equity release)

How you can get started:
1. Share your journey with us
2. Create a plan!
3. Gather and submit your information
4. Make your Dreams a reality

Financial Planning Consultation

Secure your future and that of your loved ones beyond homeownership with life assurance, income protection and pension advice. Whatever your stage of life or money situation, our team of experts will help you make informed decisions to safeguard your financial future.

What’s in this for you? Planning your future, helps make your dreams a reality:
1) Start by creating a money management plan
2) Work with our dedicated Financial Advisors committed to safeguarding your future
3) Helping you get the guidance you need to achieve your long-term financial goals

Safeguard your financial future today:
1. Share your goals with us
2. Create a plan!
3. Gather and submit your information
4. Safeguard your Financial Future