Self-Employed & Complex Income
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Your home may be repossessed if you do not keep up repayments on your mortgage.
What You Get
Non-standard income. Tailored lending.
- Know where you stand from day one
We translate your accounts, contracts and income streams into a clear borrowing picture, so you know exactly where you stand. - Advice tailored to how you really earn
We help structure your case in the best possible light, explaining what lenders look for and how to present your income confidently. - Access to lenders who understand complex income
From developer conditions to construction milestones and lender criteria, we explain each step in simple, calm language. - Smooth, end-to-end application management
We handle the paperwork, liaise with accountants, lenders and solicitors, and keep the process calm and controlled from start to finish.
The Areti Way
Expert guidance for people whose finances don’t fit the usual boxes, helping you secure a mortgage with confidence.
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Frequently asked questions
How many years of accounts do I need to get a mortgage?
- Most lenders ask for two years, but some will consider one year.
Will being self-employed make it harder to get a mortgage?
Not necessarily. It just means lenders assess your finances differently. With the right preparation and lender choice, the process can be straightforward.
How do lenders assess contractor income?
Day-rate contractors are often assessed on an annualised day rate, while fixed-term contractors may be reviewed based on contract history.
What if my income varies month to month?
That’s common. Lenders often average your earnings or look at long-term patterns.
Is the process slower for self-employed applicants?
No — it shouldn’t be. We’ll tell you exactly what documents you need upfront, so the process stays smooth and avoids any unnecessary delays.
