Acorn.finance · Borrower Guides
Unlocking Your Mortgage: The Self-Employed Guide to SA302s & Tax Year Overviews
We are rewriting this guide so every threshold, form name and lender example reflects the current tax year and today's underwriting criteria. It will be republished on this page shortly — the checks below are available now.
Self-Employed or Company Director Looking for a UK Mortgage?
Lenders evaluate SA302s, salary, dividends, and retained business profits differently. Speak with our regulated advisers to calculate your true maximum borrowing power.
No credit bureau searches at this initial stage.
Exploring Ltd Company BTL? Talk to Foy MachRead this while you wait
Self-Employed & Contractor Mortgages
How lenders assess contract income, seasonality and newly established trading.
Open guideHigh-Net-Worth & Complex Income Mortgages
Bespoke underwriting where multi-source income and assets replace a simple salary multiple.
Open guideLimited Company Buy-to-Let
Salary, dividends and retained profits — how SPV structures are assessed for borrowing.
Open guideAcorn.finance is a credit broker authorised and regulated by the Financial Conduct Authority (FCA #660207), not a lender, tax adviser or accountancy firm. SA302 availability, tax year overview formats and lender affordability weightings change with HMRC practice and each lender's criteria — confirm your own position with a qualified accountant and with the adviser handling your case.