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Self-Employed and Contractors: Finance Advice That Speaks Your Language

You run your own business or work on contract, so your income does not arrive as a neat monthly payslip. That should not make borrowing harder than it needs to be. We understand how your income works, because accounts are what our group does every day.

Sound Familiar?

The Frustrations We Hear Most Often

“My business is doing well, but the bank offered me far less than I expected.”
“I pay myself a small salary and take dividends, and lenders only look at that.”
“I have only one year of accounts.”
“I am a contractor on a day rate, and the lender wants two years of tax returns.”
“My accountant reduced my profit to save tax, and now it is hurting my mortgage.”

Every one of these has a solution with the right lender. The challenge is knowing which lender, and presenting your income in the way it expects.

How We Help

Your Income, Seen the Way Lenders See It

Matching you to the right lender

Some lenders use your latest year's figures, some average two or three years, some count retained company profits and others assess contractors on their day rate. We know which is which.

Preparing a clean application

We check that your accounts, tax calculations and bank statements tell a consistent story before anything is submitted, reducing underwriter queries.

Planning ahead

If waiting for your next set of accounts would significantly improve your options, we will tell you and help you plan.

Beyond mortgages

We also arrange business finance, from asset finance for equipment and vehicles to commercial property and bridging loans, plus income protection for when you cannot work.

The Futurewise Difference

A Broker and an Accountancy Practice, Working Together

As the sister company of Futurewise Accountancy, we can, with your permission, work directly with your accountant (ours or your own) to obtain accountant’s certificates and supporting figures. If Futurewise Accountancy already prepares your accounts, much of what lenders need is already to hand.

FAQs

Frequently Asked Questions

Can I get a mortgage with one year of accounts?

Yes, some lenders will consider one full year of trading, especially if you previously worked in the same field.

Do contractors need accounts at all?

Not always. Some lenders assess contractors on their annualised day rate, using their current contract and work history.

Business Owners

From equipment and vehicle finance to commercial property purchases and short-term bridging, we help businesses raise the funding they need to grow, with lenders who understand their sector.

View Business Owners →

Futurewise Accountancy Clients

If Futurewise Accountancy already looks after your books, much of the groundwork is done. With your permission, we can use your existing records to move your application forward faster and with fewer document requests.

View Futurewise Accountancy Clients →

First-Time Buyers

Buying your first home is exciting, and often a little daunting. We explain how much you could borrow, help you understand deposit options and government-backed schemes where available, and guide you from agreement in principle to collecting the keys.

View First-Time Buyers →

How it works

Working With Us Remotely

We work with clients in every corner of the UK, and almost all of our work is carried out online.

Free initial consultation

A short call or video meeting to understand what you want to achieve and what your finances look like.

Online meetings

Talk to your adviser by video or phone at a time that suits you, including [EVENINGS / WEEKENDS, CONFIRM].

Secure document upload

Send payslips, bank statements and accounts through our encrypted portal the moment you have them.

Electronic ID verification

Confirm your identity online in minutes.

E-signatures

Sign your paperwork digitally, from your phone if you like.