Self-employed individuals and company directors often struggle to get mortgage applications approved because lenders require specific income documentation that standard payslips don't provide. Direct Assist Accountants prepares accountant-certified income proofs and financial statements that mortgage lenders trust, alongside broader financial guidance to help you make confident, informed decisions.
Lenders assess self-employed applicants and company directors differently from PAYE employees — they typically want two to three years of certified accounts, SA302 tax calculations, and an accountant's reference confirming income is likely to continue. Many applicants get rejected or delayed simply because their documentation doesn't match what underwriters expect. We prepare exactly what lenders ask for, in the format they recognise, so your application moves forward without unnecessary friction.
If you're self-employed, a company director, or a business owner applying for a mortgage or major financial commitment, this service removes the documentation barrier lenders create.
A formal reference confirming your income for mortgage lenders
Official HMRC income documents prepared and provided quickly
Tailored to the specific format your lender or broker requests
Clear presentation of income for director-shareholders combining salary and dividends
Direct communication with your mortgage broker or lender if additional detail is needed
Broader advice on financial planning around major life or business decisions
It’s a formal letter from your accountant confirming your income, typically required by lenders when assessing self-employed or director-shareholder applicants.
Most lenders request two to three years of accounts or tax returns, though some specialist lenders accept one year for strong applications.
Yes, we regularly liaise directly with brokers and lenders to provide whatever additional documentation or clarification they need.
It’s an HMRC summary of your declared income, used by lenders to verify self-employed earnings match what’s been reported for tax purposes.
We provide accountant-led financial guidance around income presentation and planning; for regulated investment or pension advice, we can refer you to an FCA-regulated financial adviser.
Our bookkeeping team is part of Direct Assist Accountants ACCA-regulated practice in Slough
Talk to a Slough-based bookkeeper about getting your records accurate and up to date.
See our full range of accounting services for individuals and businesses.
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