Self-Employed and First-Time Buyer? Here’s Proof It Can Be Done!
The latest industry news and guides from Active Mortgages.
The latest industry news and guides from Active Mortgages.
Our client, a self-employed first-time buyer, came to us with just over a year of trading history. They were excited to buy their first home but unsure where to start – and uncertain if their income would meet lender requirements. Having heard that most lenders need two years of accounts, they were feeling stuck. Their goal was to get on the property ladder without unnecessary delays or dead ends.
The client had solid earnings but only one full year of accounts. That ruled out a number of mainstream lenders. They’d also been knocked back before, which dented their confidence. With their ideal home already on the market, they needed a quick turnaround and clear guidance.
✔ Found a specialist lender who accepts one year of self-employed income.
✔ Worked closely with the client to prepare clear documentation (SA302, tax year overview, bank statements).
✔ Presented the case in a way that highlighted income consistency and business strength.
✔ Handled all communication with the lender to speed up approval.
The mortgage was approved, and the client secured their dream home – despite limited history. The product included a competitive rate and flexible features suited for self-employed applicants. They avoided further rejections and delays, and we kept everything moving with minimal stress. The client was relieved and excited to complete the process with confidence.
This case shows what’s possible when expert advice meets the right lender. The client came to us unsure if one year of self-employed income would be enough – but through smart positioning and close lender relationships, we made it happen. They were blown away by how smooth the process was, saying they finally felt heard and understood. It’s a reminder that not all lenders are the same, and neither are all brokers. With the right support, self-employed buyers can get on the property ladder sooner than they think.
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