Self employed mortgage

[aquamarine1]

Thinking of moving house soon-ish. I'm on a permanent contract (43k pa but only work 4 days so 35ish) and my partner is self-employed - last two years accounts have net profit 11k for 16/17 and 22k for 17/18.
Will lenders do an average of this or is there scope to base the mortgage on the 22k. The lower figure was when they were just starting out.

Every lender looks at accounts differently- speak to a broker they will be used to this. Go for one that's whole of market and won't charge you a fee!

Thank you, have an appointment next week.

We have a mortgage going through at the moment with Santander, our mortgage advisor specifically went with them as they had the option of just looking at the last year's figures.

That sounds v positive, thanks for that!

Ours is with Santander too and the most recent years earnings were used for my self employment.