If you’re self-employed, proving your personal income can be trickier than if you were an employee. After you’ve worked out all your costs, a lender might not be convinced that your earnings will cover the mortgage. We don’t think that’s fair, which is why we set up an answer.

A SA302 or taxation 12 months overview (a summary of the advertised money, available with HMRC after you have registered their taxation come back – see how to get it)

Remember, if you’re a limited team director you’re classed as self-employed in the eyes of a mortgage lender. Same goes if you’re employed in a Construction Industry Scheme (CIS) job role. A mortgage broker will be able to advise you of how you need to prove your income in both of these cases. Continue reading →