Self-employed income
Credit scores & reportsEarnings from running your own business or working as a sole trader.
Overview
Lenders usually require tax returns or accounts.
Income is often averaged over multiple years.
Why it matters
- It affects mortgage and loan eligibility.
- It can limit borrowing if income is inconsistent.
- It requires more documentation.
FAQs
How many years of accounts are needed?
Often 2 to 3 years, depending on the lender.
Do lenders use net profit or turnover?
Most use net profit, though rules vary.
Related terms
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