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Self-Employed (1-Year Accounts)
Many lenders ask for 2 years of trading, but some specialist lenders will consider you with 12 months. Find out how lenders assess sole trader and partnership income.
BUSINESS OWNERS
Unlock the Right
Loan for Your Dream Home
Lenders assess salary, dividends and business profits in different ways. We help company directors, sole traders and partners find lenders whose criteria suit how they're paid.
CUSTOMISED FINANCIAL PATHWAYS
Business Owner Mortgages: Built Around How You Earn
Lenders assess business owners in different ways. We help you find lenders whose criteria suit how you're paid, whether you're self-employed or a company director.
Company Directors
Some lenders assess directors on salary plus dividends, while others use your share of the company's net profit after Corporation Tax, which can help if you keep profits in the business.
SPECIALIST SOLUTIONS
Specialized Mortgages for Business Owners
Lenders assess business owners in different ways. We help you find the ones whose criteria suit your business.
Share of Net Profit
Some lenders can use your share of the company's net profit after Corporation Tax, together with your salary, which can help if you keep profits in the business.
1-Year Accounts
Many lenders want 2 years of figures, but some will consider 12 months' trading, although this may limit the products available.
Salary & Dividends
Many lenders assess directors on salary plus dividends, and some average the last 2 years.
When You Count as Self-Employed
Lenders set their own shareholding threshold, for example owning 20% or 25% of the company.
SPV Buy-To-Let
Investing in buy-to-let through a Special Purpose Vehicle limited company is a separate type of mortgage from buying your own home.
Accountant's Certificate
Some lenders accept an accountant's certificate or reference as evidence of income, while others only accept SA302s or full accounts.
ENTREPRENEUR MORTGAGE ADVANTAGE
Specialized Finance for
Founders & Business Owners
Mortgage advice for business owners, whatever your business structure.
01
Ltd Company Directors
Assessed on salary plus dividends, or at some lenders your share of net profit after Corporation Tax.
02
Partners & LLP Members
Usually assessed as self-employed, using your SA302s and tax year overviews.
03
Sole Traders & Freelancers
Assessed on the net profit in your SA302s. Some lenders average 2 years where income has risen, or use the latest year where it has fallen.
04
Newer Businesses
Many lenders ask for 2 years of trading, while some will consider 12 months.
How It Works
Straightforward Journey To Your Mortgage
From your first conversation to completion, we're with you every step.
- 01
Free Consultation
A no-obligation call with a dedicated specialist adviser to understand your situation and goals.
- 02
Income Assessment
We analyse your contract, accounts, and earnings to establish your maximum borrowing power.
- 03
Whole Market Search
We search 90+ lenders including specialist contractors and professionals to find your best rate.
- 04
Mortgage Application
We handle the entire application, liaising with lenders, solicitors, and surveyors on your behalf.
- 05
Mortgage Offer
Receive your formal mortgage offer — typically within 2–8 weeks of application submission.
THE MORTGAGETEK DISTINCTION
Why Choose Us for Business Owner Mortgages
We help business owners present their income clearly to lenders who understand it.
Accounts Understanding
We help you understand how lenders read your accounts, SA302s and tax year overviews before you apply.
Specialist Lenders
Access to high street banks, building societies and specialist lenders that assess self-employed and director income.
No Need to Draw Extra Dividends
Some lenders can use your share of company profit, so you may not need to draw extra dividends just to borrow more.
Agreement in Principle
An agreement in principle shows estate agents how much a lender may be willing to lend. It isn't a guaranteed mortgage offer.
One Point of Contact
Your adviser keeps in touch with you, and with your accountant where needed, from your first call to completion.
Authorised by the FCA
MortgageTek is authorised and regulated by the Financial Conduct Authority (FCA reg. 788950).
CRITICAL BUYER CHECKLIST
What You Should Know Before Buying As A Business Owner
Key details every company director and sole trader should prepare before applying for a mortgage.
SA302s & Tax Year Overviews
Many lenders ask for 2 years of HMRC tax calculations and tax year overviews, and some will consider 1 year.
Company Accounts
Some lenders accept full accounts prepared by an accountant who is a member of a recognised UK professional body.
Net Profit Share
Some lenders use your share of company net profit after Corporation Tax plus your salary, and the lower figure if your latest year has fallen.
Trading History Length
Many lenders want 2 years of trading, though some will consider 12 months, which may limit the products available.
Bank Statements
Lenders ask for recent bank statements, from 1 month of business statements at some lenders to 3 months at others.
Retained Profit
Some lenders count profit you've kept in your company, but others specifically exclude retained profits.
Deposit Origin
Lenders check where your deposit comes from, such as savings or money from your company, so have the paperwork ready.
SPV Investment Structure
Investing in buy-to-let through a limited company is a separate type of mortgage from buying your own home.
Contact us
Talk to our Mortgage Experts
Have a question about rates, pre-approval, or the buying process? We're here to make the mortgage side of things simple and stress-free. Drop us a line today.
Get Your Free Mortgage Consultation
Speak to a specialist mortgage adviser today
COMMON QUESTIONS
Business Owner Mortgage FAQs
Can I get a mortgage with only 1 year of accounts?
Yes, some lenders will consider applicants with 12 months' trading, although one year's accounts may limit the products available. Many lenders ask for 2 years.
How do lenders calculate borrowing for Limited Company Directors?
Lenders commonly use your salary plus dividends. Some offer salary plus your share of the company's net profit after Corporation Tax, averaged over 2 years, using the lower figure if your latest year has fallen.
Can I use retained profit inside my business bank account?
Some lenders can, by using your share of the company's net profit after Corporation Tax. Others don't, and some specifically exclude retained profits, so the lender you choose matters.