07/09/2026
🏡 Can You Get a Mortgage With Only 1 Year of Self-Employed Income? | Top 10 Things You Need to Know #26
🎥 Hook
"Are you self-employed and only have one year of income history? Many people think they have to wait two years before getting a mortgage. The good news is—that's not always true!"
1. Some lenders accept 1 year of self-employed income
Not every lender requires two years. Certain lenders will consider applications with just one year's trading history.
2. Strong previous employment helps
If you've recently moved from employed work into self-employment in the same industry, it can strengthen your application.
3. Your latest tax return is crucial
Lenders will usually want to see your most recent tax return and proof of income.
4. Business bank statements matter
Regular income and healthy cash flow can help demonstrate affordability.
5. A larger deposit improves your chances
The bigger your deposit, the lower the lender's risk.
6. Good credit is essential
A strong credit score can make a huge difference when you have limited self-employed history.
7. Consistent income is key
Lenders prefer stable or increasing income rather than fluctuating earnings.
8. Keep your accounts up to date
Having professionally prepared accounts can speed up the mortgage process.
9. Different lenders have different rules
One lender may decline you while another may happily approve your application.
10. Speak to a mortgage advisor early
An experienced mortgage advisor can identify lenders that are more flexible with self-employed applicants
If by "26 #" you mean you need 26 hashtags for the video, here are 26 relevant mortgage hashtags:
