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.

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.

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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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Speak to a real person

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

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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.

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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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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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