Can Influencers Really Get a Mortgage? Here’s What You Need to Know

For many influencers, buying a home is a huge milestone — a symbol of stability after years of turning creativity into a career. But when it comes to stepping onto the property ladder, things can get complicated fast.

Most traditional lenders still think in terms of monthly salaries and payslips. If your income comes from brand deals, sponsorships, affiliate links, or ad revenue, your finances might not fit their standard boxes. That doesn’t mean homeownership is out of reach — it just means you’ll need to prove your financial position a little differently.

With the right documentation, professional advice, and a bit of planning, influencers and content creators can absolutely secure a mortgage and start climbing the property ladder.

Can Content Creators Access the Property Ladder?

The short answer...yes!

Yes — influencers can get a mortgage. But it’s not as straightforward as it is for someone on a PAYE salary. The challenge isn’t that lenders won’t consider you — it’s that your income looks different, unpredictable, and often comes from multiple sources (brand deals, affiliate links, YouTube revenue, and more).

That means proving your income, showing consistency, and presenting yourself as a low-risk borrower takes a bit more planning.

Why Getting a Mortgage is Harder for Influencers

When you’re self-employed, lenders don’t have payslips to rely on. Instead, they’ll look at your tax returns, accounts, and bank statements to gauge how much you can borrow.

For influencers, these are the biggest stumbling blocks:

Irregular income: Payments vary month to month, and lenders prefer predictable earnings.

Multiple income sources: You might get paid by brands, platforms, or through international deals — which complicates things.

Mix of business and personal expenses: Poor bookkeeping can make your actual income hard to identify.

Short trading history: Some creators have only been earning consistently for a year or two — and most lenders want two years of accounts.

What Lenders Want to See

If you’re applying for a mortgage as a content creator, expect to show:

• Your last two years’ Self Assessment tax returns (SA302 forms) and HMRC tax year overviews

• Business accounts (prepared by a qualified accountant)

• Bank statements showing consistent income and savings

• Proof of ongoing contracts or brand partnerships (if available)

If your earnings are growing year-on-year, some specialist lenders will take that into account — especially if your accountant can verify the trend.

Tips to Improve Your Chances

Keep your finances separate

• Have a dedicated business bank account so income and expenses are easy to track. Lenders love clarity.

• Work with a mortgage broker

• There are brokers who specialise in self-employed and influencer mortgages. They understand how to present your accounts to lenders who “get” your line of work.

• Don’t underestimate consistency

• Avoid large unexplained withdrawals or big one-off expenses right before applying — lenders notice patterns.

• File your taxes early

• The sooner you have your latest SA302s, the faster your mortgage application can move.

• Build up savings

• A healthy deposit (15–20%) can offset lender concerns about income volatility.

Get Your Ducks in a Row

You can get a mortgage as a self-employed influencer — but the key is preparation. The better you can document your income and show financial stability, the stronger your application will be.

If you’re ready to make homeownership a reality, speak to tax and wealth experts who understand your world.

👉 Get in touch with Cre8Tax today for specialist tax and financial guidance designed for creators.

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