FCA Regulated
Authorised broker
5-Star Rated
Google & Trustpilot
48-Hour Decision
Typical turnaround
500+ Clients
Manchester & beyond
What Makes the Difference
Having just one year of accounts doesn't automatically mean rejection. These factors significantly improve your chances with specialist lenders.
Prior industry experience
Having worked as an employee in the same field before going self-employed demonstrates stability and reduces perceived risk.
Accountant-prepared accounts
Professionally prepared accounts from a qualified accountant (ACCA/ACA/CIMA) carry significantly more weight than self-prepared figures.
Strong deposit (15%+)
A larger deposit reduces lender risk and opens up more options. 15–25% deposit significantly improves your chances with 1-year accounts.
Clean credit history
A spotless credit record is even more important with limited trading history. We'll check your credit before recommending a lender.
Growing income trajectory
A business with clear month-on-month growth is viewed far more favourably than flat or declining income in year one.
12 full months completed
Some lenders require a full 12 months from the start of trading — not just 12 months until the end of your tax year. Timing can matter.
If Now Isn't Quite Right
We won't submit an application we don't believe will succeed. A declined application leaves a footprint on your credit file and can make subsequent applications harder. If now isn't the right time, we'll tell you clearly — and give you a precise plan for when it will be.
This might include: building 3 more months of trading, engaging a qualified accountant, saving a larger deposit, or waiting to complete your second tax year. We'll monitor your case and contact you when you're ready.
Free initial assessment
Tell us your situation — we'll tell you honestly whether an application is likely to succeed right now.
Roadmap if not yet ready
We give you a clear, specific action plan: what to do and by when to be in the strongest possible position.
We stay in touch
We'll check in as your second tax year completes and help you apply at exactly the right moment.
Unsure if you qualify? Call 0161 000 0000 for an honest, no-obligation assessment.
We'll give you an honest, no-obligation assessment of your chances with 1 year of accounts — and a clear plan if we need to wait a little longer.
Book Free ConsultationYour home may be repossessed if you do not keep up repayments on a mortgage.