Self-Employed Mortgage Documents: Complete Guide for 2026
Self-employed applicants face extra scrutiny because income is less predictable. This checklist covers the documents lenders typically request for sole traders, partnerships, and limited companies.
Document checklist
SA302 tax calculations
HMRC tax calculations for the last 2 to 3 years.
Tax year overviews
HMRC summaries to confirm tax paid for each year.
Company accounts
Certified accounts for limited companies.
Alternatives: Sole trader profit and loss statement
Business bank statements
Last 3 to 6 months for the trading account.
Personal bank statements
Last 3 months to show income transfers and outgoings.
Proof of ID and address
Passport or driving licence plus recent address evidence.
Tips for faster approval
- • Make sure the accountant is ready to verify figures quickly.
- • Explain any large one-off income changes to avoid delays.
- • Prepare a summary of trading history for underwriters.
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