Getting a mortgage if you're self-employed can be a challenge, but it's certainly not impossible. Find out how to improve your chances of having your application accepted. In recent years, it has become harder for self-employed homebuyers to get a mortgage. Without a contract of employment or regular payslips, it can be tough to convince lenders that you're a safe bet. But don't despair – with a decent deposit, plenty of planning and some financial discipline, it is possible to get a mortgage.