Mortgages for Self-Employed Musicians

You know you can afford the payments, but banks don’t seem to see it that way. Maybe you’ve already been turned down – or offered a smaller amount than you know you can manage – just because your income doesn’t fit their neat little boxes.

The problem is, most lenders still don’t understand how musicians earn. Your income might come in bursts – from gigs, touring, teaching, or royalties – but when it’s all added up, it’s strong and steady. Unfortunately, banks often look only at the past few months or insist on three years of accounts, missing the bigger picture completely.

And because music income can come from different sources – live work, streaming, royalties, session work, or overseas performances – it can look “messy” on paper. Add in the fact that many musicians try to maximise their expenses for tax purposes, and your official income can look smaller than it really is.

At Zeo Mortgages, we specialise in helping self-employed musicians get the mortgages they deserve. We work with lenders who understand creative income streams and use human-based decisions rather than rigid computer systems. That means your case is looked at by someone who actually understands how your earnings work – not just what the numbers say.

Because we’re a whole-of-market, directly authorised mortgage broker, we have access to a wide range of specialist lenders who are happy to accept applications based on your full income picture – not just your last set of accounts. Whether your income comes from royalties, gigs, or contracts abroad, we can usually find a lender who’ll consider it.