Getting a mortgage when self-employed can be more difficult than when you have a regular job. Lenders will want to see that you have a stable income and that you can afford the mortgage payments. Here are some things you can do to improve your chances of getting a mortgage when self-employed: Get a good credit score. Have two years of self-employment tax returns. Show that your income is stable and predictable. Have a large deposit. Get a mortgage from a specialist lender that caters to self-employed borrowers.