Influencer in front of camera needing a mortgage

Mortgage For Influencers

We explain what it may be like getting a mortgage if you are an influencer on platforms such as Instagram, Twitter, YouTube or Tiktok.

Mortgage For Influencers

An influencer may be making an income from promoting peoples products and services and wanting to use the income generated to get a mortgage. This income may be from exposure created by social media pages such as Instagram, Twitter, YouTube, Tiktok or Onlyfans where lots of people view posts and videos resulting in income from avenues such as endorsements, affiliate links or sales of the influencers own products.

There are lenders that can accept this type of income but would need to understand how the income is made up. Whether income is increasing or decreasing, the social media account / accounts that are generating it, perhaps the reason the individual has such a following (for sustainability) and can then treat the application like a standard self employed case.

Some Instagram influencers can make large amounts of money so some lenders will definitely want these applications!

What is very important is the lender getting an understanding of why this income will continue across years to come. If someone is building up an organic following with regular videos / posts giving value. This could be very different to someone that has gone viral enjoying short term success and remuneration off the back of it.

Speak with a professional mortgage adviser that’s regulated by the Financial Conduct Authority and showing on the FCA register is your best option.


An expert mortgage adviser on the phone speaking to a customer

What are the challenges for an influencer looking for a mortgage?

Not all lenders will understand your position/ income so finding a good broker is important. An influencer will need to show the lender the income that is being generated and show income will continue in the future.

Lenders like to see that income will continue to remain steady or grow so understanding the business model will be beneficial. If they felt that profits were declining or likely to in future, they may not lend on the case.

For further information about accounting and tax, best to talk with a qualified tax adviser. Here is a link from HMRC about declaring your self employed income.

Another challenge may be if you have bad credit or a low credit score. To view your credit file, visit Experian, Equifax or Transunion.

Check My File shows data from all three of the above.

When carrying out your property search, websites such as Rightmove, Zoopla and On The Market are where most will be located.

How many years of accounts would influencer need to get a mortgage?

Most lenders ask for two years for self employed applicants with some lenders accepting just one year.

For a mortgage for an Influencer, this is likely to be the same with most lenders wanting to see two years of accounts to see how your business is performing and whether it looks as if income will continue at similar levels in the future.

You would likely need to provide bank accounts that show the income from the business to support company accounts or tax documents. In some cases, the lender may even want a letter from your accountant to gain a better idea of how the business works, how income is made up and sustainability into the future.

How much can I borrow as an Influencer?

It will depend on the lender but they will make an assessment based on your net profit before tax from your Instagram business if you’re a sole trader and use a multiple of this, usually between 3-5 times profits. If you are a limited company, it is often based on your salary plus dividends or salary plus your share of the company net profits after corporation tax.

Much more is taken in to account when assessing affordability for any application such as debts, credit files, deposit, level of incomes etc so best to talk to an adviser who can work this out for you.

House owned by a social media influencer

Would I need a specialist lender to get a mortgage as an Influencer?

Not necessarily, there will be high street lenders that would consider lending to an influencer like any other occupation. Lenders are often not too concerned about the specific role but more interested in how the business is actually performing.

How you are paid, how often, your profits, your credit file, business patterns, debts etc are all other factors an adviser will assess when deciding whether you would need a mortgage from the high street or a Specialist Lender.

What documentation would I need to provide to a lender as an Influencer?

A lender would need a clear picture of how your income is made up so it would likely be company accounts (if you trade through a limited company) tax documents and bank statements (business and personal). Your mortgage adviser would confirm the documents that are needed when applying for a mortgage.

Could I get a buy to let mortgage as an Influencer?

There is no reason why you cannot get a buy to let mortgage for influencers. In a situation like this, the buy to let lender would assess the application like any other looking at the influencers deposit, residential status, income, credit, debts etc and treat the application like a standard buy to let application.

Bear in mind, if you buy an investment property, the rental income will need to be declared.

Happy mortgage broker giving free mortgage advice over the phone


Could I get a commercial mortgage as an Influencer?

You may be in a position that your business is going so well that you now need commercial premises. This could be to set up a studio (e.g. if you’re a Youtuber making videos), have more space to work from or to bring in staff to assist you with the business.

In this scenario, it would be worth taking to a commercial mortgage adviser who could assess your business, the financials, and your situation to advise on what property you may be able to buy and what the costs would be in doing so.


If you’re making a living creating content as an influencer and now looking to borrow money based on your income generated, this may be possible. Your income as a whole will be looked at along with your individual situation and a lender would make a decision accordingly.

Like with any other mortgage application, the market is complex so getting advice should be priority. If you would like I NEED ADVICE to find you an adviser to give you a free consultation, please complete the contact box.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should consult a qualified professional.

You may also be interested in…


Because we know mortgages can be complicated if you go it alone.

Why match with a mortgage advisOr?

Orange Tick They are experienced, which can boost your chances of being approved.

Orange Tick They can guide you through the whole mortgage process.

Orange Tick They are able to access the whole market, including broker exclusive products.

Get Advice

Our matching service is free and there is no obligation to proceed with the advice.

By completing this form you agree to be contacted about your mortgage enquiry.


Evening Standard
Daily Record
Wales Online
The Sun

How does I NEED ADVICE work?

1st Stage how mortgage advice works

Fill out our quick form so we can match you with the perfect broker. It only takes a few minutes and won’t impact your credit score.

2nd Stage how mortgage advice works

We will match you to an expert mortgage advisor who can help you in your situation.

3rd Stage how mortgage advice works

An expert mortgage advisor will be in touch to guide you through every step of the process.


Calculate your monthly mortgage repayment.

Please note, this is a guide to how much you’d pay on a repayment mortgage, assuming your interest rate stays the same.

It’s important you always get a specific quote from the lender and double-check the price yourself before acting on the information. We cannot accept responsibility for any errors.


“We struggled to make sense of the products available to us in the market on our own. Being put in touch with someone who could understand our circumstances was a huge help. Highly recommended.”

Wayne – Alton

“I was really happy with the mortgage advisor I was matched with. He was very helpful and explained things clearly.”

Tom – Woking

“The person I spoke to got in touch quickly and was able to work out an option for me which I didn’t think I had. Recommended.”

Scott – Selkirk

“My mortgage broker has been really helpful, always responsive, recommended.”

Alastair – Weybridge

“Really useful service, very knowledgeable broker, clearly explained my options”

Charlotte – Addlestone

“Received a call back very quickly from friendly advisor who explained my options… very happy with service.”

Shannon – Leatherhead