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  • Writer's pictureMatthew Pigrome

Your Comprehensive Guide to Self-Employed Mortgages with 1 Year of Trading Accounts

If you're self-employed with just one year of trading accounts, securing a mortgage might seem like a challenge. But fear not! In this guide, we'll demystify self-employed mortgages and explain why Mortgage321 should be your first choice when navigating this complex landscape.

Self-Employed Mortgages With Mortgage321

Understanding Self-Employed Mortgages with 1 Year of Trading Accounts:

  1. Plan Ahead: Mortgage lenders want to see a consistent income history, even if it's just for one year. Prepare your financial documents, including tax returns, bank statements, and business accounts, to demonstrate your earnings and stability.

  2. Proof of Income: Be ready to provide evidence of your income. Lenders typically assess your affordability based on your net profit or salary from your business.

  3. Improve Your Credit Score: A strong credit history can significantly impact your mortgage eligibility and interest rates. Check your credit report and address any issues.

  4. Speak to a Mortgage Advisor: Consulting a mortgage advisor with expertise in self-employed mortgages is crucial. They can help you understand your options and guide you through the application process.

Why Choose Mortgage321 for Your Self-Employed Mortgage:

  1. Expertise: We specialise in self-employed mortgages and understand the unique challenges you face. Our team has the knowledge to navigate your specific financial situation.

  2. Tailored Solutions: We don't believe in one-size-fits-all. Mortgage321 offers personalised mortgage solutions designed to meet your unique needs, including mortgages with just one year of trading accounts.

  3. Lender Connections: We have established relationships with a wide network of lenders, including those who are more flexible with self-employed applicants. This increases your chances of approval.

  4. Save Time and Hassle: We streamline the application process, reducing paperwork and making it easier for you to secure your mortgage.

  5. Mortgage Comparison: We compare mortgage offers from various lenders to ensure you get the best deal and rates that suit your financial goals.

  6. Clear Communication: We keep you informed throughout the entire process, ensuring transparency and peace of mind.

Ready to Take the Leap into Homeownership?

Don't let self-employment hold you back from owning your dream home. At Mortgage321, we're committed to making homeownership a reality for self-employed individuals like you.


Contact us today to get started on your path to securing a mortgage with just one year of trading accounts.


Your financial future begins with the right mortgage, and Mortgage321 is your trusted partner in this journey.


Your Home, Your Mortgage, Your Choice - Mortgage321

Call 01255 440142


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