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

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    Compare over 12,000 mortgage products from over 90 lenders

    Customer Reviews

    Posted on Google Google
    Niamh dinneen profile picture
    Niamh dinneen
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    For years my confidence around finances and dealing with mortgages were pretty poor to say the least. I honestly didn’t want to be the one dealing with all that. I work multiple agency jobs and it can get complicated with payslips. I was recommended Darren at Bon Accord, and on our first phone consultation he completely put my mind at rest. He is extremely knowledgeable, patient, approachable and supportive. Answered all my concerns swiftly and when things weren’t clear he always helped me understand. I can happily say I now am a new homeowner. Would highly, highly recommend his services.
    Posted on Google Google
    D Fyfe profile picture
    D Fyfe
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Darren and Vicki were both very helpful and made the whole process of getting a mortgage seem so easy, if I could rate higher than a 5 star I would. Would strongly recommend 👍
    Posted on Google Google
    Jessica Jordan profile picture
    Jessica Jordan
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Highly recommend, Darren helped me with purchasing my first home, he helped me every step of the way. Will definitely be using Darren again in the future. Thank you so much. Jessica
    Posted on Google Google
    sabrina brown profile picture
    sabrina brown
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    This is my second review...I have just completed my product transfer as my two year fixed rate was coming to an end. I was extremely nervous about doing this with the current interests rates being high. Darren has been fantastic and presented a number of options to me and we have now secured a new deal with an affordable monthly payment. I have said in a previous review that I would not go anywhere else and this solidifies my stance on this. Thanks Bon Accord see you again soon in the near future! 21 May 2024 Both Darren, Vicky and Melissa at Bon Accord Mortgages are amazing. They are really easy to talk to and are able to work through complex scenarios regarding mortgages and insurances. Excellent service, super efficient and I will go nowhere else in the future. Thank you for all of your help guys I really appreciate it. I would strongly recommend anyone who is looking for a mortgage to give them a try (they cover a wide range of mortgages; employees, self employed) 2022
    Posted on Google Google
    Katie Stone profile picture
    Katie Stone
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Darren was extremely helpful and reassuring in arranging us a mortgage. It ended up being more complicated than we had anticipated but he quickly found us the appropriate solution and kept us informed throughout. We are first time buyers and this could have been very stressful without such excellent help! We will definitely return in two years when we need to remortgage.
    Posted on Google Google
    Daniel Rhodes profile picture
    Daniel Rhodes
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Can't recommend Bon Accord Mortgages highly enough! I used them a couple of years ago and knowing the great service they provided I got back in touch to remortgage. I'm self employed which can restrict borrowing but Darren and the team used their expertise to get me a great deal again and went above and beyond dealing with various issues that came up along the way. They will always be my first call for a mortgage!
    Posted on Google Google
    Danny profile picture
    Danny
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    We used Bon accord for our mortgage, we had Darren as our dedicated member of staff. So happy with what Darren has done for us, he was more than helpful in more than one way making it a very easy reassuring process. Would 100% recommend Bon accord top service and great prices too!!! 5 🌟 from me!!!
    Posted on Google Google
    Ro Perry profile picture
    Ro Perry
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    We were extremely happy with the service received from Darren in getting our mortgage approved. I would highly recommend him to anyone needing advice.
    Posted on Google Google
    Keifer and Charity Royal profile picture
    Keifer and Charity Royal
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Darren has been absolutely fantastic! The company as a whole guided us through every step with expertise and patience. As first time buyers so many questions were answered and dealt with to help the process go smoothly. Their tailored advice saved us both time and money. Highly professional and personable.
    Posted on Google Google
    Charity Royal profile picture
    Charity Royal
    Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
    Working with Darren at BonAccordMortgages was an absolute pleasure. From start to finish, Darren's expertise and professionalism made the mortgage process incredibly smooth and stress-free. He communicated with us every step of the way, ensuring we were informed and confident throughout the entire process. BonAccordMortgages is a great company, efficient and reliable. I would not hesitate to recommend Darren and BonAccordMortgages to anyone in need of mortgage services. Thanks for everything!

    Looking for expert mortgage advice that is tailored to you?

    Speak to an Adviser

    At Bon Accord Mortgages our mission is to source you a great 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.

    If you come to us, you can be assured of a first class service where your needs always come first. Check out our Google reviews below to see why we are rated 5/5!

    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.

    Important Information

    Your home may be repossessed if you do not keep up repayments on your mortgage.

    There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

    You may have to pay an early repayment charge to your existing lender if you remortgage.

    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