Sole traders
Helping you use your accounts to demonstrate your income.
Limited company directors
Looking at salary, dividends and other income considerations.
Freelancers & contractors
Finding lenders who understand how you are paid.
What will I need?
Lenders will usually want to see evidence of your income, but the documents required depend on how you're self-employed. We'll help you work out exactly what's needed.
Accounts
Business accounts, where required
Tax documents
SA302s and tax year overviews
Income evidence
Salary, dividends or contract details
Bank statements
Personal or business statements
Not sure what paperwork you'll need? Don't worry — Brad can work directly with your accountant to help gather the right information.
Can I get a mortgage with just one year's accounts?
Possibly yes! While many lenders prefer to see two years of accounts, some will consider applications with just one year's trading history.
It depends on your circumstances, how your income is evidenced and the lender's criteria. Brad can help you understand which options may be available.
Self-employed? You're in good hands.
Getting a mortgage when you're self-employed isn't always straightforward, but having someone who knows what lenders are looking for can make a real difference.
Brad regularly helps self-employed clients and works closely with their accountants when needed, making sure the right information is presented to the lender.
You'll get honest advice, regular updates and someone you can actually speak to when you have a question.