Bring the history
Start with filed tax calculations, matching overviews and accounts where relevant.
Jack Cousins · Self-employed mortgages
You run the business. Let’s explain the income.
Mortgage preparation for self-employed clients whose tax records, accounts and current trading need to tell a consistent story.
07456 935677 · jack@lockhartmurphy.com
Mortgage and protection advice is provided through Mortgage Force (UK) Ltd. Scope, eligibility and any fees are discussed before proceeding.
A useful starting pointPut the right details
Put the right details
on the table.
Begin with an outline. Jack will explain what needs a closer look and which documents would be useful next.
Explain what changed
Separate genuine one-off costs, growth or uneven trading from the usual income pattern.
Show the current position
Recent business and personal records help explain what has happened since the last year end.
Your next stepTell me where
Tell me where
you’re starting.
A short outline is enough for the first conversation. Please leave out passports, account numbers and sensitive documents.
Useful things to have in mind
- Accounts and tax calculations
- Tax year overviews
- Recent business and personal statements
- Explanation of material changes in trading
Jack Cousins
Head of Mortgages
Lockhart Murphy
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Will my latest trading figures be enough?
They may add context, but they do not replace every lender’s history or documentation requirements. The full position needs assessing.
Link to this answerThere is no promise of a mortgage, rate or timescale. Each case depends on the lender’s assessment and the complete circumstances.
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