Targeted SolutionSelf-EmployedSole TraderFreelancer1 Year Accounts
Mortgages for the Self-Employed & Freelancers
Tired of high-street banks penalizing your entrepreneurial success? If you have fluctuating income or only 1 year of trading history, we can secure the property finance you need.
The Penalty for Independence
You left the 9-to-5, started your own business, and you are making great money. But the moment you apply for a property mortgage, the high-street banks treat you as high-risk. They demand 3 years of accounts, SA302s, and penalize you for legally minimizing your tax bill.
The "1-Year Accounts" Solution
We believe entrepreneurial risk should be rewarded, not punished. We work with specialized commercial lenders who understand self-employment:
- 1 Year Trading History: We have access to lenders who only need 12 months of trading history, using an accountant's certificate to project your true earning power.
- Retained Profit Utilization: We use lenders who look at your total business profit, not just the small salary you draw for tax efficiency.
- Fluctuating Income: We understand gig-economy and contract work. We position your application to highlight average earning strength over time rather than punishing a slow month.