Most lenders require at least two years of self-employment history to consider your income for a mortgage. This timeframe helps demonstrate stability and consistency in your earnings. However, some lenders may accept as little as one year if you have prior experience in the same field before becoming self-employed or if you can show a strong financial history.
If you’ve been self-employed for less than two years, you’ll need to provide additional documentation, such as contracts, client invoices, and bank statements, to prove the reliability of your income. Working with a lender experienced in self-employed mortgages can help you explore options that align with your financial situation.
