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self employed mortgage


Amateur bob
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im hoping to get planning next year after 2 failed attempts,  im thinking ahead now about mortgages i plan to apply jointly with my wife whos on a 20k a year salary, im self employed though im wondering how this will affect things? also the accounting year for 2021-22 ends in july if i were to apply next autumn say would it be the 2021-22  accounts and 2 years previous or the 2020-21 accounts and 2 years previous? the reason i ask is that the accountant needs time to prepare the accounts, thanks!

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I'm self employed and recently needed to provide a SA302 which is proof of tax paid (therefore proof of income), normally available a few days after the tax return for the previous year is submitted.

 

Bank were not interested in company accounts as what's important is your personal income.

 

Now this was for a residential re-mortgage so may be different for a new build one (I used ecology for that).

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