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Self-Employed Mortgages (1 year’s accounts)
If you work for yourself, you’ll still need to prove your income when applying for a mortgage. Lenders usually ask for accounts or tax returns, but it is possible to get a mortgage with just one year’s accounts.
Who is it for?
- Sole traders, freelancers, or contractors.
- Company directors.
- People with only 1 year of trading history.
How We Help
- We explain exactly what documents you’ll need.
- We find lenders willing to consider self-employed borrowers, even with 1 year’s accounts.
- We guide you through the application to show your income in the best way possible.
Important to Know
- You may have fewer mortgage options if you have limited accounts.
- Lenders may ask for additional evidence like contracts, business plans, or accountant’s projections.
- Your home may be repossessed if you do not keep up repayments on your mortgage.
Contact us
Have questions? We’re here to help.
Speak to a mortgage expert or send us a message — we’ll respond quickly and guide you every step of the way.
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