Services

Mortgage planning for self-employed borrowers

Prepare a self-employed mortgage file around documented income, seasonality, business obligations and a payment the household can sustain.

Business turnover is not the family's disposable income. Guidance organizes the evidence needed to assess repayment capacity alongside business needs, explain fluctuations and identify differences between reports and account activity before they become unanswered lender questions.

Discuss your situation

Who this is for

Self-employed professionals, freelancers and business owners with variable monthly or project-based income.
Households combining salary and business income, or with recent business changes that affect the evidence a lender can assess.

What we check together

Reported income alongside business expenses, taxes and drawings, without assuming every receipt is available for mortgage payments.
Seasonality, customer concentration and changes in activity; the effect of a quieter trading period on household cash flow.
Business and personal borrowing, guarantees and discrepancies between accountant confirmations, reports and bank accounts.

What you receive within the agreed scope

A document and gap checklist to discuss with your accountant or tax adviser, without altering or embellishing income evidence.
A conservative payment scenario and questions for lenders about recognized income and supporting documents.

How to prepare

Available tax assessments and reports, current income confirmations from your accountant or tax adviser, and relevant business and personal statements.
Obligation details and explanations for unusual changes. Check the lender's required wording and reporting period before paying for a new certificate.

The process

Understand the business and household
Distinguish business income, operating needs and the amount the family can sustainably allocate.
Resolve documentary gaps
Prepare questions for your accountant and evidence-based explanations, without presenting forecasts as assured income.
Examine requirements and alternatives
Within the agreed scope, clarify lender evidence requirements and compare alternatives on verified information.

Scope and fees

Fees are individual and depend on case complexity, financing size, lenders and the support needed. The scope, deliverables and fee are agreed in writing before work begins; follow-up work outside that scope requires a separate agreement.

This information is a planning framework, not financing approval or a credit offer. The lender determines eligibility and terms after reviewing documents and the property. No rate, saving or completion date is guaranteed. Legal and tax matters require the appropriate professionals.

Frequently asked questions

Can I ask for guidance with a new business?

Yes, for assessment and planning. A short trading history may limit available options; each lender decides which documents and periods it will accept.

Does the bank use turnover or profit?

Turnover alone does not establish disposable income. Recognition depends on the documents, business structure and lender policy and must be clarified for your case.

Does this replace an accountant?

No. Your accountant or tax adviser handles financial certifications and tax matters. Mortgage guidance focuses on what those figures mean for financing.

Tools and next steps