Prepare the file

Self-employed mortgage evidence

Self-employed is a label covering sole traders, partners and directors. Pick the list that matches how you are paid, then use this as the shared set.

How you tradeSole trader, partnership, or limited company. The documents fork from that answer.
Filed tax calculationsSA302s or the company accounts, for the years you actually have.
Business bank statementsThey show the pattern behind the tax figure.
Where the deposit sitsSavings, a gift or a director's loan are different explanations.
Tax payments still dueA January balancing payment is a commitment, not spare cash.

What this page will not do

The long guide is at /self-employed-mortgage. This page is the checklist, not a second article.
A forecast from an accountant should be labelled as a forecast.
It will not name a lender, a product, or an approval chance.

Questions

How many years do I need?: Lenders differ. Bring what exists and let the broker say if a year is missing.
Where is the company director list?: On the company director page. Use it if you take salary or dividends.

MortgageConnector is a mortgage broker introducer and information service. We do not provide regulated mortgage advice. Where appropriate, we can introduce you to an FCA-authorised mortgage broker who can assess your circumstances and provide advice.

The matching service is free for you. Partner brokers pay MortgageConnector for introductions. If you ask for an introduction, the details you submit are shared with the selected partner. The broker is responsible for regulated advice. Check the firm on the FCA Register.

Your home may be repossessed if you do not keep up repayments on your mortgage.

These figures are illustrative.

An FCA-authorised broker can look at the actual income, credit and property. MortgageConnector introduces you. We do not choose the mortgage.

Find a broker experienced with self-employed income