You build businesses. We build your home ownership strategy.
Don't let a lack of "two years' accounts" stop your move. We specialize in securing mortgages for Leicester entrepreneurs and freelancers using just one year of trading history or your most recent year's figur
"Entrepreneur Advantage"
Limited Trading History
1-Year Accounts. We work with a specialist panel of lenders who accept a single year of tax returns, provided your business shows strong momentum.
Retained Profits
Using Your True Wealth. Most banks only look at your salary and dividends. We find lenders who consider your retained profits, significantly increasing your borrowing power.
Complex Income
Directors & Contractors. Whether you take a small salary for tax efficiency or work on day-rates, we translate your accounts into a language lenders understand.
Why wait two years when you're ready now?
Momentum-Based Lending: We prioritize lenders who look at your most recent 12 months of trading, rather than averaging out your "startup year." CIS & Contractor Specialist: If you work under the Construction Industry Scheme (CIS), we can often secure lending based on your gross day rate, ignoring your expenses. Proactive Tax Planning: We work alongside your accountant to ensure your mortgage application and tax returns are perfectly aligned for the best possible outcome.