Mortgages for self-employed and business owners
Because the high street doesn’t always understand how you earn.
Income experts
Specialists in self-employed and complex income cases.
Market access
Access to lenders who understand business owners.
Credit support
Help with credit issues and affordability concerns.
More to Spend
Boost borrowing potential using your latest income.
If you run your own business, getting a mortgage can feel like hitting a brick wall.
At INCA Financial, we specialise in helping people just like you. Whether you're buying your first home, remortgaging, or finally moving into that forever family home. We help you find a lender who understands your income, no matter how complex it looks on paper.
How we can help
Self-employed applications
Credit repair mortgages
Director income mortgages
Complex income mortgages
First-time buyer mortgages
Residential remortgaging
We’ve helped clients buy their dream homes after being declined elsewhere.
With over 15 years’ combined experience and a background in both property development and high-performance sport, our team brings discipline, strategy, and deep industry knowledge to every client case. Our clients stick with us because we don’t just get the deal done, we advocate for them, explain things clearly, and build lasting relationships.
“It felt like you were fighting for the best deal for me, not just any mortgage.”
How it works
One
Strategy call
We get to know you, your goals, and any challenges that lay ahead.
Two
Product match
We dig into the market and find the best lender for your situation.
Three
Application
We guide you through the application process to approval.
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That’s not a problem. Some lenders are happy to work with just one year of accounts. We know which ones to approach and how to present your case properly.
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We work with lenders who understand real-life credit histories and won’t penalise you unfairly.