Self-employed? Your income still counts.
Freelancers, contractors and small business owners are often turned away by traditional referencing simply because their income doesn’t arrive as a fixed monthly payslip. We built our assessment to look at the fuller picture instead.
Referencing wasn't built with freelancers in mind
A lot of standard tenant referencing still assumes a single employer and a fixed salary. If your income comes from multiple clients, a growing business, or seasonal contract work, that can count against you — even when you’re perfectly capable of paying rent.
My Guarantor takes a more rounded view of self-employed income, so a non-standard pay structure doesn’t have to mean a harder path to renting.
My Guarantor takes a more rounded view of self-employed income, so a non-standard pay structure doesn’t have to mean a harder path to renting.
Looking beyond a single payslip
Rather than insisting on a traditional employer reference, we build a picture of your income from the documents self-employed applicants already have on hand.
- SA302 tax calculations or recent tax returns
- Business or personal bank statements
- An accountant's reference, where available
- Evidence of ongoing contracts or client work
Every kind of self-employed applicant
Freelancers
Consultants and freelance workers with income from multiple clients.
Founders & business owners
Directors of a limited company or sole traders running their own business.
Contractors
Fixed-term or day-rate contractors with variable monthly income.
Creatives & gig workers
Artists, tradespeople and platform-based workers with irregular pay cycles.
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.