{"id":26,"date":"2026-08-27T08:17:16","date_gmt":"2026-08-27T08:17:16","guid":{"rendered":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/programs\/self-employed-borrowers\/"},"modified":"2026-08-27T08:17:16","modified_gmt":"2026-08-27T08:17:16","slug":"self-employed-borrowers","status":"publish","type":"service","link":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/programs\/self-employed-borrowers\/","title":{"rendered":"Self-employed borrowers"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">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 \u2014 and the same set of accounts can produce very different borrowing figures across a panel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How we present the file<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We work directly with your accountant, put the income into the shape the target lender&#8217;s underwriter expects, and send a covering note that answers the questions before they are asked. Files that arrive explained get decided faster.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Two years of returns, add-backs, retained profit, a good accountant&#8217;s letter. We present the income the way underwriters read it.<\/p>\n","protected":false},"featured_media":0,"menu_order":4,"template":"","service_category":[],"class_list":["post-26","service","type-service","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/wp-json\/wp\/v2\/service\/26","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/wp-json\/wp\/v2\/service"}],"about":[{"href":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/wp-json\/wp\/v2\/types\/service"}],"wp:attachment":[{"href":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/wp-json\/wp\/v2\/media?parent=26"}],"wp:term":[{"taxonomy":"service_category","embeddable":true,"href":"https:\/\/scintillawpthemes.com\/demo\/swp-mortgage-broker-pro\/wp-json\/wp\/v2\/service_category?post=26"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}