Mortgages with two years’ accounts

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Can I get a mortgage with two years’ accounts?

Yes, you can get a mortgage with two years’ accounts! But you might find it’s a little more difficult than if you had the standard three years’ worth. The high street banks will probably turn you down, but there are specialist lenders out there who’ll be willing to lend to you.

Mortgage 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. A lot of lenders like this evidence to be three years’ of accounts. But not all. As long as you can prove your income, there’s plenty of lenders who will give you a mortgage with two years’ accounts. 

To find the right lender, you need to work with a specialist mortgage broker. That’s where we come in! Our platform matches you with the ideal broker for your situation. Your broker will have plenty of experience getting mortgages for people like you, and will make your application look as good as possible to lenders.

Got questions?

Why is it difficult to get a mortgage if you’re recently self-employed with two year’s worth of accounts?

Will all lenders consider self-employed applicants with two years’ 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 two years?

What else will affect my ability to get a mortgage with two 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

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.

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Ben Patten

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Luke Grosse

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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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Lynn Cutts

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Steve Hatton

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Jeanette Clark

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Carrie Knight

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Jonathan Hunting

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Applying for a mortgage or understanding your options shouldn't be confusing, yet there are just so many myths doing the rounds and it's not easy to know where to turn to get the right advice.

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