Income certification for mortgages

Lenders often ask the self-employed, company directors and contractors to provide independent confirmation of their income before they will approve a mortgage. This usually needs to come from a qualified accountant, and getting it prepared correctly and quickly keeps your application moving.

What income certification involves

Income certification is a confirmation of your earnings, prepared by your accountant in the format your lender requires. Depending on the lender, this may involve:

• Confirming your income from self-employment or your company
• Completing the lender's own accountant's certificate or reference form
• Providing copies of accounts or tax computations where these are requested
• Answering follow-up queries from the lender or mortgage broker

Who it is for

This service is particularly useful for sole traders, partners, company directors and contractors, whose income is not as straightforward to evidence as a salaried employee's.

What to expect from working with us

As fully qualified accountants with offices in Swindon, Oxford and Gloucester, we deal with certification requests promptly so your mortgage application can proceed without unnecessary delay. If we already act for you, we will usually have the information we need to hand; if not, we will let you know what is required.

To get started, please contact us.