Lenders assess self-employed and director income differently from a salary, but founders can get a mortgage. This guide explains how that income is assessed and what lenders look for.
Some lenders assess a director on salary and dividends alone, while others also count their share of the profit kept in the company. An accountant and a mortgage adviser working together can present your figures in the form a lender asks for.
This page explains what this area involves, so you know which questions to ask an adviser.
Regulated advice can only come from an FCA-authorised firm. You can search the FCA register, or ask us for an introduction to Equity & General, the firm we have an introducer agreement with.
An introduction is free, and you do not have to take one. If you go on to take advice, the adviser explains any fees before any work starts.
Yes. It depends on finding a lender whose criteria suit self-employed income, with your accounts presented the way that lender asks. A regulated mortgage adviser can do this, using the accounts we prepare.
Many lenders want two years of accounts, and some accept one. A regulated mortgage adviser knows which lenders suit your situation.
Yes. A regulated adviser can advise on buy-to-let and portfolio mortgages, and we can prepare the property income and tax figures behind them.
Buzz Financial Services is a trading style of Equity & General Financial Services Limited, authorised and regulated by the Financial Conduct Authority (FCA 474163).
Asks twenty-five questions across retirement, protection, savings, mortgage, estate and day-to-day money, then writes a report on where the gaps are.
Open the calculatorSorts twenty statements about money into four patterns and writes a report on the one that fits your answers.
Open the calculatorGeneral information only. This page explains a topic in general terms. It is not advice, a personal recommendation or a financial promotion, and it does not invite or encourage you to buy any product or service. Everyone's circumstances are different.
Regulated financial advice can only be given by a firm authorised by the Financial Conduct Authority. You can find one on the FCA register (register.fca.org.uk). Buzz Accounting is not authorised to give regulated financial advice. We have an introducer agreement with Equity & General (E&G), authorised and regulated by the FCA (No. 474163). If you would like an introduction, we can make one.
The value of investments and any income from them can fall as well as rise, and you may get back less than you invested. Your home may be repossessed if you do not keep up repayments on a mortgage. Tax treatment depends on your individual circumstances and may change. Will-writing, trusts and some estate-planning services are not regulated by the Financial Conduct Authority.
