Mortgages when you have no accounts

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Can I get a mortgage with no accounts?

Yes, you can get a mortgage with no accounts! It’ll be more difficult than if you had a few years’ accounts under your belt, but it’s absolutely possible.  Usually, a mortgage lender will look at your average income over recent years to determine how much you can afford to pay and, therefore, how much you can borrow.  

Lenders have a duty to lend responsibly and only give mortgages to people who are able to prove they can afford the repayments. Because of this, lenders will need to see proof of your income and ask for evidence t that you can afford your monthly repayments. They’ll want to see that you’ve got a proven track record, as well as solid earning projections. 

Even when you have one years’ accounts, you will be able to show a lender that you have traded profitably over that period and back this up with further evidence that shows your income since the tax return was submitted. But if you’ve just gone self-employed, you won’t have accounts to share. In that case, the more evidence that you can give to a lender to support your application, the more likely that it is to be approved. 

Working with a specialist mortgage broker is really important if you have no accounts because they’ve got experience securing mortgages for people like you. 

And 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 newly self-employed people who don’t have accounts yet, and will make your application look as good as possible to lenders.

Got questions?

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

What are the reasons for not having any self-employment accounts?

Will lenders consider me if I have no self-employment accounts?

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

Do I need a bigger deposit if I don’t have any 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

We only get paid when your mortgage is approved.

SAY HELLO TO YOUR SPECIALIST BROKER

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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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.

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

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