Mortgages for the Self-Employed – Get a great mortgage deal even if you only have 1 years accounts

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Nearly there! We just need some basic details about you so we can get straight to work on your mortgage options.

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    Compare over 11,000 mortgage products from over 90 lenders

    Customer Reviews

    Lucy Funnell
    Lucy Funnell
    2024-01-02
    We were recommended Darren at Bon Accord Mortgages as he specialises in CIS mortgage applications and we have not been disappointed - the service has been 10/10 from start to finish. As first time buyers, we had a lot of questions which Darren has responded to quickly every time - we really couldn't have done it without him! We will certainly be recommending Bon Accord to all our friends and will definitely look to use Darren again in the future.
    Meghan Tobin
    Meghan Tobin
    2023-12-06
    Darren was great and made the process so easy for me! I was remortgaging and although few difficulties he kept trying and got a mortgage deal for me. Very approachable and great at keeping in contact. Highly recommend!
    Callum Nixon
    Callum Nixon
    2023-11-29
    Darren has been incredibly helpful, responsive, and attentive throughout, making the entire process feel seamless. I couldn’t recommend highly enough and would use again in a heartbeat. Thank you!
    Sarah Jane
    Sarah Jane
    2023-11-15
    We would definitely recommend Bon accord mortgages, we were finding it very difficult to find a new mortgage deal with my husband been self employed and been tied to to a interest only company that don’t do new mortgages with increasing interest rates for many years, After been told no you can’t afford it by high street banks we almost gave up until we found Darren and his team, They discussed all options with us solved all problems and got us the mortgage deal we have worked so hard for over the past couple of years, They are polite and professional and answer any queries and questions in a timely manner, If your in a similar situation please try them.
    Tracey Dickson
    Tracey Dickson
    2023-11-15
    Amazing Service from Darren. I would highly recommend. Darren is professional and very informative, he has put my mind at rest at kept in contact with myself, taking time to explain the process of re mortgage.
    Mark Gibbs
    Mark Gibbs
    2023-11-15
    Being Self-Employed often throws a few too many spanners into the mix when trying to obtain lending, Darren worked his magic with his market knowledge but also knowing which lenders would best suit our needs. There were less than two weeks between obtaining our DIP to full offer and we couldn't recommend Bon Accord highly enough. The communication was key to ensuring we provided every piece of information, so having everything you need will be vital in allowing Darren to get you the best deal he can. Many Many thanks to you all.
    Gillian Birch
    Gillian Birch
    2023-11-15
    What I thought when I began this journey was a hopeless task. I was met with a wonderful broker who went above & beyond expectations to secure the best deal. 💯 Top tier broker Darren Curtin if I’m up Pitlochry visiting friends I’ll be dropping you a wee gift 🎁 of thanx
    Heather Delaney
    Heather Delaney
    2023-10-03
    Darren and the team at Bon Accord Mortgages have been fantastic both times I have used their company. They are lovely, personable and professional people. Any questions I had (even the daft ones) were answered quickly and concisely. I am very happy to highly recommend them to anyone.
    Jonathan Davidson
    Jonathan Davidson
    2023-09-19
    Darren & Vicki went above and beyond. Highly recommend using Bon Accord Mortgages
    James Fraser
    James Fraser
    2023-07-11
    I have left a review before when Darren helped us get our initial mortgage rate but feel I have to leave another for our recent re-mortgage. It is of course a very difficult time for many people, including us, but Darren was on hand for advice & questions and was very pro-active with getting our rate locked in giving us peace of mind and allowing us to budget well in advance of the rate change. In addition, his knowledge allowed us to lock in a lower rate, 24 hours before a rate increase saving us a considerable amount per month! Whilst there may not be any miracles at the moment, Darren armed us with all of the facts without any grey areas. and allowed us to make informed decisions which has made a difficult situation manageable. I cannot recommend Bon Accord mortgages enough.

    Looking for expert mortgage advice that is tailored to you?

    Speak to an Adviser

    At Bon Accord Mortgages our mission is to source you the best deal on your mortgage by comparing thousands of products from over 90 of the UK s leading banks and lenders. Well handle the application from start to finish so sit back relax and arrange your mortgage the easy way with Bon Accord Mortgages.

    As well as being experts in sourcing the most competitive mortgage rates we are also highly qualified protection advisers specializing in life, critical illness, income protection and other types of insurance.

    Why Bon Accord Mortgages?

    Save Money

    All our advisers are independent and are not tied or linked to any one bank. We work for you, not the lenders. We compare rates, fees and introductory offers to get you a great deal on your next mortgage.

    Qualified and Regulated

    All our advisers are highly qualified with a wealth of knowledge and experience.

    Wealth of knowledge

    Our local advisers engulf themselves in mortgages day in day out. It’s what we do and we do it well. Products change daily and we’re honoured to have a team that work tirelessly to ensure they are always up to date to help you with a major financial decision.

    No Pressure, No Worries.

    All our quotes come with no obligation to proceed. We will always put you first and build our business on straightforward and honest advice.

    Hassle Free Comparing

    We’ve made it our mission to make the process as straightforward and hassle free for you as possible and handle the whole application on your behalf. So put your pen down and relax in the safe hands of our highly qualified advisers.

    Our areas of expertise

    1 years self employed
    Most recent years earnings
    Day rate contractors
    CIS workers
    Agency works
    Freelancers

    How do I get started?

    Whether you are a mortgage novice or an experienced homeowner, finding the perfect mortgage deal is quick, easy and cost effective with Bon Accord Mortgages.

    Apply online

    You spend a couple of minutes filling in our online form so we can understand a little bit more about you.

    At this stage we’ll only ask for the information we need to get us started.

    We get to work

    You relax while we get to work and compare deals and rates. If we need more information we’ll give you a quick call, text or email.

    Once we have explored the market and narrowed down your options we’ll talk them through with you to find an option you’re happy with.

    We manage your application

    The application. We’ll do the “boring” stuff for you. Why? Because we don’t find it boring – we love what we do and we accurately complete mortgage applications day in, day out.

    We’ll get all your paperwork together, fill in all the forms and speak to your lender to ensure your application is managed for you all the way from start to finish.

    Keep in touch

    We’ll update you. If things change and we think we can get you an even better deal again we will get in touch to let you know.

    FAQs

    Can I get a mortgage with 1 years books?

    The simple answer is yes. Most high street lenders do require a minimum of 2 years self employment, however we have access to both high street lenders and specialist lenders who will be happy with just 1.

    Can I use my most recent years income if my income has increased?

    Yes, we have lenders who will be happy just to use your most recent income for affordability

    Can I get a mortgage if I have had credit issues?

    Yes, we have access to specialist lenders who are quite lenient in regards to previous credit issues

    What deposit do I need for a self employed mortgage?

    Each lender has different criteria in regards to what deposit they would require and take things like how long you have been self employed and credit score into consideration

    Looking for expert mortgage advice that is tailored to you?

    Speak to an Adviser