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Which Accountant Qualifications do Mortgage Lenders Accept?

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By Lucy James  | Content Editor

Updated: 10th December 2019 *

Although every mortgage lender is different in terms of the type of self-employed incomes they’ll accept and how they want this evidenced, most use full accounts or references and will require the applicant’s accountant to have certain credentials.

To clear up any confusion around which qualifications your accountant will need to have to support your mortgage application, we've put together this brief guide.

What qualifications should my accountant have to support my mortgage application?

An accountant can only vouch for your creditworthiness for a mortgage application if they have a recognised qualification under their belt. In terms of what mortgage lenders accept, Chartered and Certified Accountants certificates are industry standard.

Other recognised credentials include Institute of Financial Accountants, Association of Accounting Technicians, Association of Authorised Public Accountants, Association of International Accountants and Association of Taxation Technicians.

We've created this table detailing the main bodies and qualifications allowed by most lenders...

Institute Accountancy body Qualifications accepted
I.C.A.E.W Institute of Chartered Accountants in England & Wales A.C.AF.C.A
I.C.A.S Institute of Chartered Accountants of Scotland C.A (Chartered Accountant) A.C.A.SF.C.A.S
I.C.A.I Institute of Chartered Accountants in Ireland, also known as Chartered Accountants Ireland C.A (Chartered Accountant)
A.C.C.A Including Subsidiary A.A.P.A Association of Chartered Certified Accountants Association of Authorised Public Accountants A.C.C.AF.C.C.AA.A.P.AF.A.P.A
C.I.M.A Chartered Institute of Management Accountants A.C.M.AF.C.M.A
CPAuk Certified Public Accountants Association A.C.P.AF.C.P.A
A.A.T Association of Accounting Technicians M.A.A.TF.M.A.A.T
A.I.A Association of International Accountants A.A.I.AF.A.I.A [not FAIA (acad)]
C.I.P.F.A Chartered Institute of Public Finance & Accountancy C.P.F.A
C.I.O.T Chartered Institute of Taxation C.T.A (Fellow)F.T.I.I (Fellow)C.T.A A.T.I.I
I.F.A Institute of Financial Accountants A.F.A (Associate) F.F.A (Fellow)

If an accountancy qualification is not in the list above, it doesn’t mean it's not considered, but this forms almost all of the bodies and qualifications allowed by most lenders.

If you are unsure if your accountant will be suitable, or you are looking for help finding the right self-employed mortgage, then make an enquiry with us today and we'll have an expert answer any questions you might have.

Updated: 10th December 2019
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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The info on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs. Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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