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Being your own boss makes borrowing harder even when you earn more than a salaried neighbour — lenders fear income that can vanish. The fix is presentation: clean business records, two years of consistent (or growing) profit, and an accountant's help to frame your income the way banks compute it. This guide shows what underwriters actually review and how to position your business for approval before you apply.
lender-readiness report
Most lenders want two full years of financials; some accept one year if your income is growing strongly or the business is low-risk.
Net profit before tax is the usual base — which is why aggressive tax deductions that shrink paper profit can shrink your borrowing power.
Some lenders offer alternative documentation for the self-employed, but expect a higher rate and a bigger deposit.
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