Mortgage for OnlyFans creators
Mortgage for OnlyFans creators
This article is to help OnlyFans Creators. If you are wanting to know how OnlyFans subscriptions could affect you getting a mortgage click here instead.
Mortgages for OnlyFans creators are absolutely possible. Approaching the right lender is essential, as many either do not understand this relatively new form of income or are not comfortable with it.
This guide will talk you through what’s possible in terms of buying a home with a mortgage if your income is from OnlyFans or a similar platform.
Your enquiry will be treated with confidentiality and professionalism. To me, you are just another client in a high-value industry.
Please be aware that by clicking onto the above link you are leaving the Jamie Thompson Mortgages website. Please note that neither Jamie Thompson Mortgages nor PRIMIS are responsible for the accuracy of the information contained within the linked site accessible from this page.
Last updated: 20th April 2025
Can you get a mortgage using income from OnlyFans?
Yes. It’s absolutely possible to get a mortgage using your income from OnlyFans and other content distribution platforms.
Do all banks accept income from OnlyFans?
Unfortunately, most mortgage lenders are a bit behind the times. Not many of them will use income from content creators, whether that content is adult or not. This is due to concerns about the volatility and longevity of the income. That’s why it’s important to work with someone who understands which lenders are open to your income from OnlyFans and how to present it to the lender to get the best result for you.
How long do you need to have been doing OnlyFans to get a mortgage?
The best lenders for OnlyFans creator mortgages can consider a mortgage after just one year of income. This will need to have been a full tax year (April to April) so that you can complete a tax return to prove your income.
If you started work in May, you may need to wait until April two years later in order to have your first full year’s tax return. If you started earning in March of last year or earlier, then as long as your tax return is complete, you can qualify with the best lenders for new creators.
What if you went from a sole trader to a limited company?
If you have one or more years as a sole trader and then formed a limited company, both years can be used to show your income. You would be assessed using your net profit from the year as a sole trader and the level of salary and dividends paid in the year you had a limited company. This will usually be assessed as a tax year, not your company’s financial year.
It can be possible to use retained profit to support your borrowing amount. This is income that your company earned but you chose not to pay yourself as a salary or dividend. However, there are not many lenders that consider this, and even fewer are what I would call ‘content creator friendly.’ Dividend and salary are much easier to have accepted on a mortgage application for OnlyFans creators.
How much can you borrow for a mortgage with your OnlyFans income?
A rough guide would be 4.5 times your net profit, averaged over the last two years, though more is possible.
That means if in the latest tax year your net profit was £100,000 and the year before it was £50,000, you may be able to borrow £337,500.
If you’ve only been working for one full year (even if you started 23 months ago), you could still borrow 4.5x your first full year’s net profit. For example, if you started in May 2023 and earned £20,000 until April 2024, but then from April 2024 to April 2025 you earned £100,000, you may be able to borrow 4.5 times the £100,000 or more.
If you have a larger deposit, you may be able to borrow more. Whereas with a 5% or 10% deposit you may be able to borrow 4.5 times your net profit, with a 25% deposit that could increase to 5.5 times.
There are many other things that could affect exactly how much you can borrow. These include: loans and credit card debts, student loans, service charges and ground rents, even the EPC of the property can influence this.
Read more on what affects how much you can borrow in my First Time Buyer Mortgage Guide.
How debts and commitments affect what you can borrow
If you have a large income, then you’d need significant debts before this starts to reduce your borrowing ability. With a £100,000 per year income, even a credit card balance of £3,000 and monthly payments totalling £1,300 (loan, student loan, and car), you may still be able to borrow the maximum amount.
Just because you can, though, doesn’t mean that you should. The more ‘spare’ income you have, the better your application will look.
How do expenses affect what you can borrow?
Keep in mind that banks assess your net profit if you’re a sole trader, or your salary and dividends if you own a limited company. They are not using your revenue, as revenue alone doesn’t account for the costs of running your business.
If your total sales on OnlyFans (and other income streams) are £100,000, but 20% is taken by OnlyFans, that leaves you with £80,000. If you then run £20,000 of expenses through your tax return, your net profit is £60,000, and this is the number the bank will use.
If you pay a management agency, that expense will also reduce your net profit.
Your usable income is what’s on your tax documents, not what’s shown on your platform earnings.
Your accountant will be able to tell you what is and isn’t a business expense.
What size deposit is needed when using OnlyFans income for a mortgage?
A minimum of 5% is needed. This applies to new builds as well as non-new build houses.
Some lenders require a 15% deposit for new build flats, but non-new builds are still achievable with a 5% deposit.
The deposit can be from your own savings or gifted from a family member. It’s rare that a gift from a non-family member can be used, but it’s not impossible in the right circumstances.
If you’re buying a new build, then developer incentives can count towards your deposit.
In some cases, a larger deposit can help you borrow more, sometimes an entire year’s worth of income more.
Are interest rates higher for an OnlyFans mortgage?
No, not really. Lenders don’t charge a higher interest rate just because your income is from OnlyFans.
You may not be able to access the very lowest rates, but this is common for self-employed people who have specific criteria. It’s usually just a fraction of a percent difference, we’re talking a few pounds a month.
What documents are needed to get a mortgage using OnlyFans income?
You’ll need to provide the following:
- Tax Calculation (SA302)
- For the last two years
- If you’ve been trading less than two full tax years, then one year may be acceptable
- Tax Year Overview
- For the last two years
- If you’ve been trading less than two full tax years, then one year may be acceptable
- Last 3 months’ bank statements
- Your credit file
- Proof of your deposit
- ID documentation
- Proof of name and address (e.g. passport)
- This may include immigration information if you’re not a UK or Irish citizen
- This is usually confirmed by a UK Immigration Share Code
How long can you have a mortgage for if your income is from OnlyFans?
Potentially 40 years. However, you should only have a mortgage term as long as you need it. The longer you borrow for, the more expensive it is overall.
Some lenders are cautious about the longevity of a content creator’s career. They may limit the term based on what they’re comfortable with, similar to how they treat professional athletes. For example, most lenders wouldn’t let a professional footballer have a mortgage into their 40s.
Thankfully, some lenders are more understanding. They recognise that you’re building an audience and a brand, and that your income won’t just stop overnight.
Knowing which lenders think this way is another reason why working with a specialist for your industry is important.
We’ll discuss how long you should have your mortgage for and come to a bespoke decision based on your needs.
Do I need to be signed to an agency to use OnlyFans income to get a mortgage?
No. Mortgage lenders aren’t bothered if you’re signed to an agency or not. The only difference is that agency fees will be taken from your revenue before calculating net profit which affects what you can borrow. Though presumably, your agency helps you make more money than they cost.
What if you don’t have indefinite leave to remain?
The best lenders can still consider you for a mortgage even if you don’t have indefinite leave to remain. If you don’t meet certain requirements, they may require a larger deposit.
Settled Status
You’ll be treated just like a UK citizen applying for a mortgage. You’ll need a deposit of 5% or more.
Pre-Settled Status
You’ll be treated just like a UK citizen applying for a mortgage, assuming you’ve been in the UK for 3 years (with the right lenders). If not, it’s still usually possible to get a mortgage with a 5% deposit.
Other Visa Types
You may still be able to buy a property with a 5% deposit if just one of the following apply:
- You, or someone you’re applying with, has:
- Lived in the UK for 5+ years
- Settled or pre-settled status
- British or Irish citizenship
- Indefinite leave to remain
- Your income is £75,000+ (latest year only), or £100,000+ when applying with someone else
Even if these don’t apply, it may still be possible though you may need a 25% deposit.
Minimum time living in the UK
The best lenders for content creators don’t have a minimum time requirement for living in the UK.
They do need to be able to find you on a credit reference agency. To give yourself the best chance:
- Ensure all bank accounts are registered to your current address
- Register on the electoral roll, if possible
The more data they have on you, the more likely you’ll be able to borrow with a smaller deposit.
Can OnlyFans income be used to get a buy-to-let mortgage?
Yes. OnlyFans creators can get a buy-to-let mortgage.
You may even be able to get one without owning your own home. This could help you build a property portfolio for future income if you decide to stop creating content.
Very few lenders offer buy-to-let mortgages to people who don’t already own property, but it is possible with the right justification.
The reason many don’t is because buy-to-let mortgages are assessed on the rent the property can achieve, not the applicant’s income. So lenders worry people might try to live in a property they’ve bought this way. If it makes sense, and it often does in your case, it’s potentially doable.
Why use a specialist mortgage broker if your income is from OnlyFans?
Most brokers are unfamiliar with your income and the handful of lenders that are good for your situation.
Getting it right the first time is crucial. The last thing you want is to be declined, spook the vendor, and create a stressful situation for everyone.
Why I specialise in mortgages for content creators
The inspiration to help OnlyFans creators came shortly after I moved into Deansgate Square in Manchester. There are many successful creators here, and I saw how they struggled to get a mortgage even though some were among the highest earners in the building.
What I admire most is the marketing behind their success. Maybe that’s because I’ve also built my business around a personal brand and helping specific groups.
My entire business is built around helping people that most brokers (and banks) don’t know how to help. I find the most content-creator-friendly lenders and tie everything together.
How much does advice cost?
I typically charge £390 for all self-employed mortgages.
I’ll gather some basic info over WhatsApp or email. If I’m confident I can help, I’ll invite you to a Zoom meeting to take full details and answer your questions. Then I’ll ask you to send over your documents so I can ensure we have everything needed to get a mortgage offer later down the line.
Once I’m confident we’ve got everything, I’ll get an agreement in principle so you can house-hunt with clarity. The fee is payable when you send me your documents for research and the agreement in principle. If I found that I couldn’t get you a mortgage, the fee would be refunded with no hassle.
Please be aware that by clicking onto the above link you are leaving the Jamie Thompson Mortgages website. Please note that neither Jamie Thompson Mortgages nor PRIMIS are responsible for the accuracy of the information contained within the linked site accessible from this page.
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