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Getting a Mortgage Without Accounts

Updated: June 11, 2021

Pete Mugleston
Author: Pete Mugleston Mortgage Advisor, MD

If you’re looking for a self-employed mortgage, you’re probably hoping to celebrate the milestone achievement! But what do you do if you don’t have the backlog of income records required by banks to approve your mortgage application?

Although you may find some lenders will decline a mortgage application in this scenario, you don’t have to let it get in the way of your plans. The expert mortgage advisors we work with understand the intricacies of your circumstances and have helped many people without accounts on their way to a hassle-free mortgage.

Can I get a self-employment mortgage with no accounts?

The answer is yes! Although many lenders may decline, there are some situations in which you can get a mortgage as someone who is self-employed without accounts. While many lenders will accept SA302 tax calculations, there’s no one size fits all route to getting a mortgage, so it’s best to speak to an expert mortgage advisor.

Whatever your circumstances, providers will need to see some form of proof of income to calculate your mortgage affordability: this could come from your own accounts, from a business you work with, or even from your accountant.

You’ll also likely need an accountant who can vouch for your projected future income. The more income evidence and mortgage security you can provide, the more likely you will be to secure a mortgage – even if you are self-employed with no accounts.

Whether you are self-employed or a freelancer looking for a mortgage, or just have multiple streams of income and are unsure of how to qualify for one, at Online Mortgage Advisor we will connect you to a specialist broker for your circumstances.

Discover what your best mortgage options are by giving us a call on 0808 189 2301. You can also fill out an online enquiry and we’ll get back to you right away.

Make an enquiry for a free, no-obligation chat and we’ll match you with a broker experienced in helping other customers in similar circumstances.

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What mortgages are available for self-employed without accounts?

Many mortgage providers will decline applications from people who are self-employed with no accounts. But there are plenty of situation-specific circumstances in which lenders will make exceptions.

Here are some scenarios where you may be eligible for mortgages as someone who is self-employed without accounts:

  • You are a Construction Industry Scheme (CIS) contractor.
  • You are a contractor or a subcontractor.
  • You are a new business owner but have a previous track record within the same line of business. You’ve been trading for a minimum of six months and have an accountant who can produce management accounts and future earnings projections.
  • You’ve recently become a professional business partner, and income can be confirmed through the business as opposed to your personal accounts.
  • You are a professional, such as a dentist or doctor, who is recently qualified.
  • You are a recent barrister tenant, and the Senior Clerk can confirm income.

Of course, these are just some of the circumstances where a mortgage provider may agree to offer you a loan if you don’t have years of financial records.


Bear in mind that the best way to quickly find out if you are eligible for a mortgage is to speak to an expert mortgage advisor – like the ones we work alongside. They have years of experience in helping people with unusual circumstances take out a good mortgage.

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How do I get a mortgage without accounts?

The good news is that with the right paperwork you should have access to the same mortgage deals as others. The trickier part? Gathering the proof of income needed to make a mortgage application while studying the entire mortgage market.

Getting a mortgage without accounts can be a complex procedure, so the best way to maximise your chances of getting a mortgage is to solicit the advice of a mortgage broker with years of experience advising people in your situation. Give us a call on 0808 189 2301 and we’ll connect you to a broker who knows which lenders are prepared to offer mortgages to the self-employed without accounts and where to find the best rates.

Practical steps to improve your mortgage eligibility

There are several practical steps you can take to improve your mortgage prospects as self-employed without accounts:

  • Increase your deposit – The bigger your deposit size, the smaller the mortgage loan. Smaller loans can be easier to qualify for.
  • Maintain and secure more regular work – Stable regular work shows that you are financially secure and able to manage repayments over the long-term.
  • Employ a chartered accountant who will know how to positively represent your financial situation. This could give lenders more confidence in your stability and repayment capabilities.
  • Check your credit history – a solid credit history will show lenders that you responsibly manage your finances.
  • Get a UK mortgage broker who understands your situation and which lenders will be most likely to approve your mortgage application. Make an enquiry here and we’ll connect you to one.

How do I get a buy to let mortgage with no accounts?

There are generally more stipulations to getting a buy to let mortgage with no accounts than there are for getting a residential mortgage.

In most cases, you will be required to provide a minimum 25% property value deposit. However, the main considerations for securing a buy to let mortgage if you don’t have a backlog of accounts will be similar regardless of which mortgage type you require.

To get a buy to let mortgage without accounts, you will need proof of financial stability and mortgage affordability. This could come through having a senior business partner, having recently joined a successful business venture, or having worked in a typically secure profession or line of business.

In addition, you may be able to provide proof of earnings from other sources, such as rental income from a buy-to-let mortgage, a pension, or any other revenue stream.

If you’d like help in finding out whether you are eligible to take out a self-employed person’s buy to let mortgage with no accounts, and how to get the best deal, get in touch on 0808 189 2301, or make an enquiry. The expert mortgage brokers we work with offer guidance and advice that will save you time and money.

Make an enquiry for a free, no-obligation chat and we’ll match you with a broker experienced in helping other customers in similar circumstances.

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Getting a commercial mortgage without accounts

commercial mortgage for a new business, or someone self-employed without accounts, will likely be more difficult to get than it would be for an established company.

Some lenders may decline due to the increased level of perceived risk involved, however, others may still offer a mortgage under these circumstances if the applicant has some form of increased security to put up, or if there are other personal guarantors or secure income streams.

In addition, commercial business mortgages are often judged on the strength of the investment opportunity compared to the level of risk, so lenders may require that you demonstrate a viable business plan.

good credit history and a track record of responsible financial management are also important to demonstrate when applying for a commercial mortgage without accounts.

The best way to get that commercial mortgage for someone without the usual accountancy, is to speak to an expert mortgage advisor. There are often many more ways to provide proof of income than a surface layer enquiry will demonstrate.

A specialist mortgage broker will understand the exceptions and requirements for getting a commercial mortgage in niche situations. Make an enquiry and we’ll help connect you to an advisor with the right expertise.

Article key takeaways

  • 01

    Getting a mortgage could still be possible

    The expert mortgage advisors we work with understand the intricacies of your circumstances and have helped many people without accounts on their way to a hassle-free mortgage.
  • 02

    A broker can help you get it done right

    The right mortgage broker can help you make an informed decision about the best options. They will also have access to more deals by more lenders as they will be whole of market brokers.
  • 03

    Improve your mortgage eligibility

    Your credit history, deposit size and proof of regular income will all help to improve your eligibility.
  • 04

    Find the right mortgage lender

    Choosing the right mortgage lender is absolutely vital. The best way to find out whether sticking with your current lender is in your best interest is to speak to a mortgage broker.

Through our free broker-matching service, we will pair you up with a mortgage advisor who has the right expertise for your needs and circumstances. Call us on 0808 189 2301 or make an enquiry to get started.

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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the 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 information 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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