Standard Mortgages
If each applicant can provide a detailed continuous history of their income over the past year, a lender will generally offer their best rates for full status mortgages.
Self Employed Applicants
A self employed person can still qualify for a full status mortgage if they can provide evidence of their earnings, in the form of:
- Accountants Certificate or Audited Accounts prepared by a qualified accountant
- HM Revenue & Customs self assessment certificate covering the previous tax year
A minimum period of self employment is likely to be required (typically 6 months or more).
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