How many years of accounts do you need for a bad credit self-employed mortgage?

Typically, lenders evaluate the number of years of accounts needed for a self-employed mortgage based on their lending policies and financial circumstances. As a minimum they will require 12-month trading history and for your first company accounts or tax returns to have been submitted to HMRC. However, if you are looking at borrowing at high LTV’s lenders will likely want to assess two to three years of accounts to gauge your income stability and mortgage suitability to feel comfortable that that mortgage will be sustainable for the term of the mortgage.

Here at AMA, we will find you the best options for your situation.

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