Self-employed mortgages.
If you run a business, contract or are a company director, proving income can be different from a standard payslip. More Financial.
Advice that works around your plans.
If you run a business, contract or are a company director, proving income can be different from a standard payslip. We can help you understand which accounts, tax documents or contracts lenders may consider.
Speak to our team ↗Review your trading history and income evidence
Identify lenders whose criteria fit your circumstances
Explain required documentation before applying
Good to know.
Can I get a mortgage with one year of accounts?
Some lenders may consider shorter trading histories, but their conditions can be more restrictive.
How do lenders assess directors?
Approaches vary: some assess salary and dividends, while others may consider company profit in certain circumstances.
Present the income the lender can evidence
Turnover, business profit and personal drawings are different figures. Bring accounts, tax calculations and corresponding tax-year overviews where available. Explain changes in trading, one-off income and existing business commitments rather than assuming every lender uses the same annual figure.
Choose the right income conversation
A sole trader, contractor and limited-company director can need different evidence. Some applications rely on accounts; contract-based assessments depend on lender criteria. Company directors can use our dedicated guide to prepare salary, dividend and company-profit questions.
Further reading: MoneyHelper: mortgage application evidence ↗. Source checked 24 October 2026. Guidance is general; current lender criteria and your circumstances determine the options.
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