Self-employed? Renting Shouldn’t Be Harder
Being self-employed shouldn’t stop you from renting. Whether you’re a freelancer, contractor or business owner, your income is still income even if it doesn’t arrive as the same amount on the same day every month. Our approach looks beyond a single payslip to understand the bigger picture.
Built for the Way You Really Earn
Traditional tenant referencing was designed around permanent employment and fixed monthly salaries. That can make life difficult if your income comes from multiple clients, contract work or your own business, despite having a reliable and healthy income.
At My Guarantor, we assess self-employed applicants more fairly by considering the overall strength and consistency of their finances not just whether they receive a standard payslip.
A Broader View of Your Income
Instead of relying on an employer reference, we review the documents self employed people already use to demonstrate their earnings, including:
- SA302 tax calculations or recent tax returns
- Business or personal bank statements
- An accountant’s reference, where available
- Evidence of current contracts, client work or ongoing projects
This helps us build a more complete picture of your financial position.
Supporting Every Type of Self-Employed Professional
Freelancers
Working with multiple clients across one or more industries.
Consultants
Independent professionals earning through project based or retained client work.
Business Owners
Sole traders, company directors and entrepreneurs running their own businesses.
Contractors
Fixed term, day rate or project based contractors with variable monthly income.
Frequently Asked Questions
Yes, we assess each application individually. Recent bank statements and current contracts can support a shorter trading history.
No, an accountant's reference can strengthen your application but isn't required — tax returns and bank statements are usually enough.
That's expected for most self-employed applicants. We look at your income over a wider period rather than a single month in isolation.
Let your income speak for itself
Apply in around 15 minutes — most decisions within 4 hours.