Mortgages with one years’ accounts

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Can I get a mortgage with one years’ accounts?

Yes, you can. You might find it’s a little more difficult than if you had the standard three year’s worth, but there are specialist lenders who will be willing to give you a mortgage.

There’s more than five million people in the UK who work for themselves – freelancers, contractors, company directors and sole traders. And loads of them have been told they can’t get a mortgage until they have three years’ worth of accounts proving their income. But it is possible. Even if you only have one years’ accounts. 

Lenders have a responsibility to make sure they’re lending to people who can pay the money back. That means you need to give proof that you can afford your monthly repayments. If you only have one years accounts so far, lenders might ask to see extra documentation to prove your income. For example projections for income and information on your employment history or industry experience. 

Working with a specialist mortgage broker makes all the difference. That’s where we come in.

Why is it difficult to get a mortgage if you’ve only just gone self-employed?

Will all lenders consider self-employed applicants for a mortgage with one year’s worth of accounts?

How long do I need to have been self-employed to get a mortgage?

What income evidence will a lender want to see when I apply for a mortgage?

What kind of self-employed do I need to be to get a mortgage?

What’s the most I can borrow on a mortgage if I’ve only been self-employed for a year?

What else will affect my ability to get a mortgage with one year’s worth of accounts?

Why use Haysto?

We get how it feels when you’re refused a mortgage. We’ve been there. Haysto exists because the mortgage world is broken. If you don’t have a shiny credit rating, you’re self-employed with a complex income, or just don’t fit the mould, the odds are completely stacked against you. We just don’t think that’s fair.

Read our story

We help when others won’t

Unlike others, we only work on bad credit, self-employed and complex mortgages. That’s all we do. And we’re up for a challenge.


Speak to a real person

No robots, no automated answers. We use technology to connect you to a real person. Not replace them.


Your success is our success

Our platform connects you to the perfect specialist broker for free. We only get paid when your mortgage is approved.


Using our platform guarantees you’ll be matched with an expert who has a proven track record of making mortgages possible for people like you. Less processing, more understanding.

Image of mortgage broker Ben Patten

Ben Patten

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Image of mortgage broker Luke Grosse

Luke Grosse

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Image of mortgage broker Sarah Earnshaw

Sarah Earnshaw

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Image of mortgage broker Yogesh Parekh

Yogesh Parekh

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Image of mortgage broker Jemma Talliss

Jemma Talliss

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Image of mortgage broker Paul Clark

Paul Clark

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Image of mortgage broker Lynn Cutts

Lynn Cutts

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Image of mortgage broker Steve Hatton

Steve Hatton

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Image of mortgage broker Jeanette Clark

Jeanette Clark

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Image of mortgage broker Carrie Knight

Carrie Knight

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Image of mortgage broker Jonathan Hunting

Jonathan Hunting

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Get connected to a specialist self employment mortgage broker who can make a mortgage possible for you.

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