Mortgages for self-employed with 1 years accounts

We know that this might not be easy for some people, but we have found that it may be possible to get a mortgage with 1 year’s account.

Enquire Now

Self-employment is on the rise, and more people than ever are either freelancing or setting up their own limited company.

of But what if you’re self-employed with only one year of accounts? Can you still get a mortgage? The answer is yes, mortgages for self-employed with 1 years accounts is available. 

The first thing to remember is that each case varies, and the number of accounts you have will not affect your application as much as what those accounts show. If you can provide evidence for stable self-employment over a period of time with good earnings, then there’s no reason why this wouldn’t be possible. Keep in mind that lenders have these account requirements as a result of a business risk control strategy. If they are offering you a mortgage, the lender needs to be sure that you can make your payments.

When applying for a mortgage, if you’re self-employed, it’s important to provide as much information as possible. This means that the lender will be able to assess your application and give an accurate decision on what they can offer. With this in mind, there are lenders out there who specialise in lending for those with limited accounts. They tend to use their own system of assessment, which can be based on gross revenue or residual income.

If you are struggling to find a lender who will accept your application due to the number of accounts you have, then don’t give up hope just yet! There are lenders out there who may still be willing to help. It is worth contacting us here at Airborne Mortgage Solutions. We may be able to help you find a lender who will support your application.


As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
customer testimonial

We understand that this can be difficult (mortgages for self employed with 1 years accounts) for some individuals, but we are determined to offer the best service possible and aim to provide an outcome that will suit all of our customers. 

In most cases, if possible, providing a deposit or capital contribution towards the mortgage can help you leverage a better deal. This is because the lender will have more security in your application, which ultimately gives you a better chance of being accepted.

We are an independent mortgage broker, so we have access to a wide range of different lenders, meaning that there is no reason why your application should be declined! We work with the whole market, so whatever type of lender or situation you might have, don’t hesitate to get in touch and see what we can do.

With over 50 years of industry experience, we are confident that our team will be able to help you. Our friendly and professional advisers, who have helped hundreds of people get the mortgage they wanted in the past few years, know what it takes to make your dreams come true! Contact us today, and we will be able to talk you through what self-employed mortgages are available for those with 1-year accounts!



Insurance and Protection

At Airborne we like to support our clients with all of their needs. That’s why we are happy to help with life insurance and critical illness cover too.

Even although we all hope that it’s something we’ll never need, it’s vitally important to protect your investment and cover yourself and your loved ones for those unexpected events.

Beyond exploring mortgage deals, as specialist mortgages, we can also assist you in securing life insurance and critical illness coverage. Our team understands the importance of safeguarding your family's future, and we're here to guide you in choosing the right policy to suit your specific needs.

Speak to a member of our friendly team to find the very best policy for your specific needs


Protecting your investment for those unexpected events we hope will never happen. 


Making sure that the essential bills can be paid should you be unable to work.

Related Blog Posts

Helpful blogs for Self Employed Mortgages

google REVIEWS

What our clients have to say

Kam and his team at Airborne have been a real game changer for us. They were understanding of our requirements from the beginning and accessible on the phone throughout the process. We had a fairly complex case, but this didn't stop Kam from finding a tailored solution for us, and we will be using Airborne again moving forward. We highly recommend Airborne to anyone who needs a Mortgage, and you will also gain a valuable friend in Kam - Top Man.

Jonathan Monk Avatar Jonathan Monk
March 12, 2022

Mr Lodhia and Savraj were incredibly professional and prompt with my mortgage. Mr Lodhia was honest, well informed and was able to offer sound advice. I was given options within 24 hours, and they remained supportive throughout the process. I was thoroughly impressed and grateful for all the hard work the team put in!

I highly recommend Airborne to anyone who is looking to buy.

Devyani Bhatt Avatar Devyani Bhatt
March 12, 2022

My brothers and I were looking to jointly buy our first home and weren’t sure of how to go about it, High street banks couldn’t help us.
A friend recommended Kamlesh at Airborne Mortgage Solutions. He understood what we wanted and advised us on a great mortgage which we completed last week.
Thanks Kamlesh for putting up with our endless questions and being there to help.
Highly recommended to our friends and family.

January 12, 2022

Get in Touch

Let us assess your needs, make sense of your options and search for the best deals

"*" indicates required fields

This field is for validation purposes and should be left unchanged.
Pickford House
16 High View Close
Vantage Park

08000 835 209