Yes, you can get a mortgage with two years’ accounts! But you might find it’s a little more difficult than if you had the standard three years’ worth. The high street banks will probably turn you down, but there are specialist lenders out there who’ll be willing to lend to you.
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. 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! Our platform matches you with the ideal broker for your situation. Your broker will have plenty of experience getting mortgages for people like you, and will make your application look as good as possible to lenders.
Getting a mortgage when you’re self-employed can be difficult. Mortgage lenders tend to prefer people in full-time employees because it’s easier for them to understand their income. But don't let anyone tell you that a self-employed mortgage isn't possible. Here's what you need to know.
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.
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.
No robots, no automated answers. We use technology to connect you to a real person. Not replace them.
We only get paid when your mortgage is approved.