Published 5 July 2018 · Last reviewed 1 May 2026
Mortgage for taxi drivers including self employed minicab and UBER driving roles are not always easy to obtain. The key consideration is how much cab fare money has been accounted for in your self-assessment tax returns.
If you do not have your tax return to hand then I would suggest you login to your HMRC account and pull off your Tax Calculations for the last few years or speak to your accountant as this really is the starting point.
Certain Mortgage Lenders will work off the latest year’s return whereas others might take an average over 2 or 3 years. You, with the help of a Mortgage Professional, such as Niche Advice, can then determine which lender will allow you to borrow the most and how their specific criteria to could be suited to your application. Remember getting the right Mortgage for taxi drivers is not just about rates it around criteria, affordability limits, expenditure overviews and sustainability criteria. At Niche Advice we really do know what we are doing when it comes down top helping the self-employed clients and have helped many Taxi drivers with mortgages.
The other thing to take into consideration is YE 4/2018 can be filed now rather than wait 31/1/2019. This should produce a more favourable result if your mini-cab / taxi business is growing.
Niche Advice has access to lenders that will consider:
- Self employed Mortgage for mini cab drivers
- Self employed Mortgage for taxi drivers
- UBER taxi drivers –
- Latest Tax Calculation figures
- Up to 5 times income
- 1 year’s trading
- Net profit if set up as a sole-director limited company