Mortgages with two years’ accounts

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Can I get a mortgage with two years’s 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 lend to you.

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.

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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 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 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.


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


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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.

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Ben Patten

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Luke Grosse

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Sarah Earnshaw

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Yogesh Parekh

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Jemma Talliss

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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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