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

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  • Company Director / Sole-Trader / LLP Mortgages
  • Compare Residential and Buy to Let Mortgages

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

How much is property worth? (If unsure put in your best guess)
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    Compare over 11,000 mortgage products from over 90 lenders

    Customer Reviews

    sabrina brown
    sabrina brown
    2024-05-22
    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
    Katie Stone
    Katie Stone
    2024-04-11
    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.
    Daniel Rhodes
    Daniel Rhodes
    2024-03-18
    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!
    Danny
    Danny
    2024-03-18
    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!!!
    Ro Perry
    Ro Perry
    2024-03-18
    We were extremely happy with the service received from Darren in getting our mortgage approved. I would highly recommend him to anyone needing advice.
    Keifer and Charity Royal
    Keifer and Charity Royal
    2024-03-15
    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.
    Charity Royal
    Charity Royal
    2024-03-15
    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!
    karen nulty
    karen nulty
    2024-03-04
    Darren at Bon Accord Mortgages has been absolutely brilliant, while acting as our mortgage adviser. We could not recommend using him enough. He is responsive, so easy to deal with and makes everything in this complicated process understandable.
    lesley Price
    lesley Price
    2024-02-07
    Alan was excellent in sourcing me the right balance of insurance products based on a tricky brief. Friendly, prompt and everything was explained in detail. Very happy with the service and that the insurance products I have are a good fit for me. Recommended advisor.
    Mr Review
    Mr Review
    2024-01-30
    Darren has just completed our third mortgage. Agents are forever asking for me to use their affiliate mortgage advisors but I politely decline because Darren and his team are second to none. I have been using Bon accord mortgages for about 3 years, he gives me the most accurate details, he answers my emails swiftly and deals with issues promptly- he even responds to me when he’s on holiday!! I can’t fault Darren, he’s an experienced and reputable advisor. I can’t see any reason why I would use anyone else. Thanks again Sophie :)

    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