Being an accountant means you’ve probably got a good handle on your finances, but that doesn’t always make applying for a mortgage any easier.
Whether you’re self-employed in Liverpool, run your own firm, or work for a larger practice, the way your income is structured can make a big difference to which lenders are willing to consider your application.
That’s why many accountants choose to work with a mortgage broker in Liverpool who understands how to present complex income clearly from the start.
Do Lenders View Accountants Differently?
Some do, yes. It depends on the lender. Certain banks and building societies offer mortgage products that are designed specifically for professionals, including accountants.
These lenders often take a more flexible view of your earnings, particularly if your income is expected to grow over time or is made up of more than just a basic salary.
That said, your role doesn’t guarantee anything. If your income comes through dividends, profit shares, or retained earnings, you’ll usually be treated as self-employed.
That means lenders will want to see at least two years of tax returns, company accounts, or SA302s, ideally with a consistent or rising profit trend.
We work with accountants across a range of scenarios, from those just starting out in practice to experienced partners and company directors.
It’s our job to match your financial setup with a lender who understands it.
First Time Buyer Mortgages for Accountants in Liverpool
If you’re buying your first home, there are first time buyer mortgage options in Liverpool that may be better suited to your profession.
You may find that some lenders offer higher income multiples or consider future earnings when assessing affordability.
This can be especially helpful if you’ve only recently qualified or stepped into a more senior role, but haven’t yet had time to build up long-term accounts.
A higher deposit can still go a long way, but even with just 5 to 10 percent, there are competitive options available.
The key is applying with a lender who understands your income now, not just what’s on last year’s tax return.
Remortgaging with a Complex Income
Remortgaging in Liverpool can be straightforward if your income is easy to verify.
For accountants with more than one source of earnings, retained profits, or changes in structure, it’s worth taking a closer look at which lenders will work best.
If your current mortgage deal is ending, or if you’re looking to raise money for home improvements, a mortgage broker in Liverpool can help you remortgage with a lender who will assess your application properly.
We’ll also flag up anything that could hold you back, whether that’s the way your income is drawn, a change in company structure, or recent changes to your trading year.
What if You’re Newly Self-Employed?
We speak to a lot of accountants who have recently left full-time employment to set up on their own. If you’re in your first year of trading, mortgage options may be more limited, but not impossible.
A strong opening year, clear evidence of future work, and a well-prepared application can still open doors with the right lender. You don’t need to wait until year three to start looking.
We’ll review your current position and let you know what’s realistically available, including whether it’s worth waiting a few more months before applying.
How We Help Accountants Secure the Right Mortgage
Our mortgage advisors in Liverpool have years of experience helping accountants get mortgages approved, whether it’s for a first home, a remortgage, or a second property.
We’ll take the time to understand how your income is structured and which lenders are best suited to that setup. That means fewer delays, no unnecessary rejections, and a smoother process from start to finish.
If you’ve been told you don’t meet a lender’s criteria, it might just be that they didn’t understand how your earnings are set out.
We know which lenders will, and we’ll make sure your case is packaged correctly first time.
Date Last Edited: November 7, 2025
