Self Employed With 1 Years Accounts Mortgages

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.

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

But what if you’re self-employed with only one year of accounts? Can you still get a mortgage? The answer is yes!

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.
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We understand that this can be difficult 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.

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


Providing you and your loved ones invaluable help with finances when it really matters.


Enabling your business to continue, even when you’ve suffered damage or loss.


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.

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What our clients have to say

customer testimonial

Positive: Professionalism, Quality, Responsiveness, Value

Thank you, Kamlesh for helping us out with the mortgage. I thoroughly enjoyed working closely with you from the moment you were recommended for a mortgage application.
Very friendly, professional and I'd highly recommend your firm to anyone looking to get their mortgage sorted.

Thanks once again for looking after me! 👍

Amar Vaidya

customer testimonial

Positive: Professionalism, Responsiveness, Value

Our experience was very professional, helpful and very communicative advice - and from his advice, we got a house.

We are grateful 🙏
Thank you for all.

Minella Kovatsis

customer testimonial

Positive: Professionalism

We are really happy with the service and Kamlesh is always there to answer any questions always. We would definitely recommend him to friends and family.
Saleem Abbsi
customer testimonial

Positive: Professionalism, Quality, Responsiveness, Value

An excellent mortgage broker. Very professional and keeps you in the loop. We managed to get our mortgage very fast and without any issues. Always just a phone call away to give support and advice. Kamlesh explains the process and provide options as well and answers any questions you may have. We are first time buyers and it was a nice easy smooth process. I would definitely recommend using Airborne. Thank you 👍🏼😀
Krishan Gandhi
customer testimonial
Having used Airborne Mortgage Solutions on several occasions. I have no hesitation in recommending them. Altogether a first-class professional service. Kamlesh at Mortgage Solutions was really, really helpful when we were looking to move - he made it possible. We also went to Kamlesh when we wanted to re-mortgage & he found us a fantastic deal. Since then, Kamlesh has also been on hand to help with advice when needed! 100% recommend, 5* - Thank you!
Ashok Thatipamula

Get in touch

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


08000 835 209