Mortgages with one year's accounts

Need a mortgage with 1 year’s accounts? You’re in the right place. We’re specialist mortgage brokers with a proven track record of making self-employed mortgages possible for people like you.

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Can I get a mortgage with one years’ accounts?

Yes, you can get a mortgage with only one year of accounts! However, you’ll have fewer options available to you compared to someone with three or more years of accounts. Most mainstream lenders and big banks will probably turn you down, but there are specialist lenders who’ll be willing to consider your application.

There’s more than five million people in the UK who work for themselves – freelancers, contractors, company directors and sole traders. And loads of them have been told they can’t get a mortgage until they have three years’ worth of accounts proving their income. It’s not fair because it’s definitely possible, they just need the right advice!

Mortgage 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. If you only have one year’s accounts so far, lenders might ask to see extra documentation to prove your income. For example; projections for income and information on your employment history or industry experience. 

Working with a specialist mortgage broker makes all the difference. That’s where we come in! Our Mortgage Experts have plenty of experience getting mortgages for people like you, 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?

Will all lenders consider self-employed applicants for a mortgage with one 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 a year?

What else will affect my ability to get a mortgage with one 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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We only get paid when your mortgage is approved.

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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.

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