Professionals & Self-Employed
Self-employed doesn’t mean financially excluded
It simply means your advice needs to reflect how you actually earn, save, and plan.
At Roxton Wealth, we provide financial and mortgage advice tailored to self-employed professionals across the UK, including sole traders, freelancers, contractors, and limited company directors. We understand that income can look different on paper, and we focus on presenting your position clearly and building a plan that supports both your life now and your longer-term goals.
How we can support you
Mortgages
Getting a mortgage when you’re self-employed shouldn’t be harder — it just needs the right approach. We can help by:
- Working with a broad panel of lenders, including those experienced with self employed cases
- Understanding income from salary, dividends, retained profits, day rates, or mixed sources
- Advising on which evidence is likely to be most suitable for your circumstances (e.g., accounts, SA302s, tax year overviews)
- Supporting newer businesses and more complex structures, where appropriate
Protection
Your income supports your lifestyle — and often your business too. We help you consider protection that fits real life, including:
- Income protection designed around fluctuating income
- Life and critical illness cover aligned with your responsibilities and plans
- Business protection where relevant (e.g., key person, shareholder/partnership cover, relevant life plans)
Investments
We help you grow money in a way that stays flexible and understandable, including:
- Strategies that work with irregular income or variable cashflow
- Tax-efficient wrappers such as ISAs and General Investment Accounts (GIAs) where suitable
- Reviewing existing investments and aligning them with your goals and risk comfort
Pensions
Not having an employer pension doesn’t mean you can’t build a strong retirement plan. We can help with:
- Personal pensions and SIPPs (where appropriate)
- Tax-efficient contribution planning based on your wider position
- Reviewing existing pensions and building a clear long-term strategy
Financial planning
Even if your income changes month to month, your goals still matter. We help bring structure and clarity across:
- Saving, cashflow planning, and setting realistic milestones
- Planning around property goals, family priorities, and major life events
- Keeping business and personal finances joined-up and intentional
A calm, joined-up approach
Self-employed finances don’t need to feel complicated, they just need to be understood properly. We take the time to understand the full picture and provide advice that fits the way you live and work, in plain English.
