For self-employed mortgage applicants, the answer is typically yes for borrowers with a shorter trading history. This is because most lenders on the high street are unwilling to accept applications from self-employed people who have only 1 year’s accounts as evidence of their income. Generally speaking, however, specialist lenders are no better than high street lenders. They are all as credible as each other. It’s just that, in certain circumstances, specialist mortgage lenders are better suited to customers in tricky situations, such as people with bad credit or the newly self-employed who don’t yet have an annual business income. If you require a mortgage with 1 years accounts, we will explore all of your options with you. We will consider both established lenders and new specialist lenders entering the market, and will let you know which is right for your situation.