McCoy Mortgages have been specialists in the field of self-employed mortgages from the beginning. We deal daily with over 60 lenders, we understand self-employed mortgages and know how to achieve a successful outcome by matching your financial profile and requirements to the right lender.

And the good news is; all lenders are happy to offer self-employed mortgages providing you meet their lending criteria and can show sufficient income for the mortgage you want. And you won’t necessarily need three years accounts; two years or sometimes just a single year can be all that’s needed.

But applying for a mortgage when you work for yourself is different. An employed person might only have to show a recent payslip and P60 to prove their income, but your income could be from different sources, perhaps a combination of drawings/dividends/share of profits for example (for lending purposes a director of a limited company with a shareholding of 20% or higher is usually considered self-employed) and will need to show the necessary proof.