Yes. Lenders usually assess 1–3 years of accounts or SA302s, plus overall business trends. Some will accept the latest year if your income is rising, while others prefer to average it out. We’ll steer you to lenders that fit your specific structure (whether you take a PAYE salary plus dividends, retain profit, work on a day rate, or are registered under CIS).
I’m self-employed or a company director—can I get a mortgage?
Published on 2 September 2025
10 Minutes
