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Self-employed and complex income

29 guides

One year of accounts, a calculator, house model and key for a mortgage application

Self-employed and complex income

Mortgage With One Year’s Accounts: Who Lends and How Your Figures Get Assessed

Mortgage with one years accounts? Yes — some lenders accept a single year of finalised figures. How they assess it, what to prepare, and how we place self-employed cases. Payam Azadi15 Aug 2026Updated 12 Sep 202611 min read

sole trader mortgages

Self-employed and complex income

Sole Trader Mortgages: How Lenders Really Assess You

Sole trader mortgages explained: how lenders read your net profit, why your accountant's tax-saving figure can hold you back, and what proof you'll need to borrow. Payam Azadi13 Aug 2026Updated 12 Sep 20269 min read

HMRC sa302 tax

Self-employed and complex income

Mortgage Lenders vs HMRC Deadlines: When Self-Employed Borrowers Must File Self-Assessment for 2025 Mortgages

SA302 and Tax Year Overview requirements for getting a Mortgage Richard Stokes7 Nov 2025Updated 1 May 20263 min read

Contractor Mortgage

Self-employed and complex income

95% LTV Contractor Mortgage 48 week Daily Rate Calculation

Lenders will work from your daily rate not from the accounts or tax calculation documentation Payam Azadi23 Jul 2024Updated 1 May 20263 min read

1 Year Fix Self Employed Mortgage

Self-employed and complex income

1 Year Fix Self Employed Mortgage

Borrow more with this 1 Year Fix Self Employed Mortgage aimed at mortgages over £500,000 Payam Azadi13 May 2023Updated 1 May 20263 min read

Contractor mortgages

Self-employed and complex income

IR35 Contractor Mortgage Umbrella Company Daily Rate Mortgage

New Contractor Mortgage after IR35 Umbrella Company Employee Mortgage & Daily Rate products Richard Stokes1 Aug 20213 min read

Self employed mortgage

Self-employed and complex income

Self employed mortgage

Self-employed mortgage tips Payam Azadi1 Oct 2019Updated 14 Jun 202611 min read

self employed mortgage

Self-employed and complex income

Self Employed Mortgages for photographers

Self Employed Mortgages for photographers working under a sole trader or limited company Payam Azadi25 Sep 20192 min read

self employed mortgage

Self-employed and complex income

Self Employed Mortgages for personal trainers

Self-employed personal trainer Mortgage solutions Payam Azadi24 Sep 2019Updated 25 Sep 20193 min read

95% Self-employed mortgages using the latest years income

Self-employed and complex income

95% Self-employed mortgages using the latest years income

Up to 95% Loan to Value mortgage for Self-employed applicants - The lenders can work off latest years income figures rather than average of last 2 years. Payam Azadi14 Dec 2018Updated 18 Dec 20183 min read

self employed mortgage

Self-employed and complex income

Mortgage for taxi drivers

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… Payam Azadi5 Jul 2018Updated 1 May 20262 min read

self employed mortgage

Self-employed and complex income

Mortgages based on net profit of a limited company

Using Net Profit criteria for mortgage affordability for shareholding directors. Payam Azadi3 Jul 20183 min read

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