Experts in finding the perfect mortgages for Accountants.
Some lenders will be able to look at your income in many different ways depending on if you are employed, self-employed, or a director of your own firm. It won’t matter if you are a one man band, an LLP or a limited company, we will be able to find the right mortgage for you.
As an accountant, you will be more able than most to understand mortgages and we would be delighted to go through your options in as much detail as you require.
Being financially astute, you may be more interested in discussing offset mortgages and making your savings work harder for you.
Whatever it is you are looking to achieve, we know we will be able to get the perfect mortgages for accountants.
Your home may be repossessed if you do not keep up repayments on your mortgage
Contact us and we can help you find the perfect mortgage.
Frequently Asked Questions
Below are some of the most frequently asked questions about mortgages for accountants.
Depending on your employment status, your income will be viewed differently.
If you an employed accountant, we will ask for your latest 3 payslips. If you receive a bonus, we may ask for your last 2 years P60s. The lenders will take into account your basic pay, car allowances and any bonus.
If you are an accountant who has set up as a sole trader, the lender will ask for your last two years tax calculations and tax year overviews. They will use any income from employment, self-employment, property etc.
If you own an Accountancy firm and you are a director of a limited company, they will generally use your salary plus dividends. On top of the last two years tax calculations and tax year overviews, they will also ask for your last two years company signed accounts.
There are lenders that will look at salary plus share of profits. Some will look at before tax, others will look at after tax.
There are rates specifically for accountants. As a prestigious occupation, with higher than average incomes, you will be seen as lower risks and as such, there will be lenders who want to reward you for this.
You might find that these products have lower rates, smaller fees or are more streamlined due to the applications being assigned to more experienced underwriters who will fully understand the income of an Accountant.