Being self-employed is a documentation exercise, not an obstacle. The difficulty is that lenders differ enormously in how they treat retained profit, add-backs and a trading history shorter than two years — and the same set of accounts can produce very different borrowing figures across a panel.
How we present the file
We work directly with your accountant, put the income into the shape the target lender’s underwriter expects, and send a covering note that answers the questions before they are asked. Files that arrive explained get decided faster.
