If you’re self-employed, mortgage applications can be more complex—but definitely possible. Lenders want proof of stable income, and many require two or more years of certified accounts or tax returns.

Because your income may fluctuate, lenders analyze average profits and cash flow, and may require more evidence (e.g. business contracts, forecasts).

You’ll likely provide documents including SA302 tax summaries, business accounts, personal and business bank statements, proof of ID and address.

While some lenders expect at least two years of trading history, others may consider one year if you have strong financials, a large deposit, or previous employment income.