Which UK Lenders Accept 1 Year of Self-Employed Accounts?
Most UK lenders want 2+ years of accounts. A minority accept 1 year with strong profit history, industry-matched prior employment, or an accountant's projection.
Data refreshed 2026-07-15. Information only — not advice.
Your situation
High Street Lenders
- Halifax— Up to 95% LTV, 1yr accounts accepted
Building Societies
- Beverley Building Society— Up to 95% LTV, 1yr accounts accepted
- Cumberland Building Society— Up to 95% LTV, 1yr accounts accepted
- Dudley Building Society— Up to 90% LTV, 1yr accounts accepted
- Earl Shilton Building Society— Up to 95% LTV, 1yr accounts accepted
- Furness Building Society— Up to 95% LTV, 1yr accounts accepted
- Hinckley & Rugby Building Society— Up to 95% LTV, 1yr accounts accepted
- Mansfield Building Society— Up to 95% LTV, 1yr accounts accepted
- Saffron Building Society— Up to 95% LTV, 1yr accounts accepted
- Suffolk Building Society— Up to 95% LTV, 1yr accounts accepted
Specialist Lenders
- Bluestone Mortgages— Up to 90% LTV, 1yr accounts accepted
- Fleet Mortgages— Up to 75% LTV, 1yr accounts accepted
- Foundation Home Loans— Up to 90% LTV, 1yr accounts accepted
- Gatehouse Bank— Up to 80% LTV, 1yr accounts accepted
- Generation Home— Up to 95% LTV, 1yr accounts accepted
- Hodge Bank— Up to 95% LTV, 1yr accounts accepted
- Kensington Mortgages— Up to 95% LTV, 1yr accounts accepted
- Keystone Property Finance— Up to 80% LTV, 0yr accounts accepted
- LendInvest— Up to 90% LTV, 1yr accounts accepted
- Norton Home Loans— Up to 80% LTV, 1yr accounts accepted
- The Mortgage Lender— Up to 95% LTV, 1yr accounts accepted
- Together— Up to 75% LTV
- Vida Homeloans— Up to 97% LTV, 1yr accounts accepted
- West One Loans— Up to 97.5% LTV, 1yr accounts accepted
Why some lenders say no
- Most lenders require 2+ years of accounts to establish income stability.
- Some lenders want industry-matched prior employment before the SE period.
- Adverse credit combined with 1-year SE usually means specialist lenders only.
Related reading: Self-employed affordability · Why your DIP came in lower
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Run My Affordability CheckFrequently asked questions
What counts as 1 year of accounts?
A full 12-month trading period ending in a set of filed accounts or SA302s — not a partial year or projected income.
Does being a Ltd director help?
Some lenders are more flexible for directors with a 12-month set of accounts than for sole traders. Others apply the same rules to both.
Can I use an accountant's projection?
A few lenders — Halifax, Kensington, Precise — will consider accountant projections alongside 1 year of filed accounts.
What if I've been in the same industry for years?
Industry-continuity can help with manual-underwriting lenders. Providing a CV or employment history alongside your accounts strengthens the case.
