Support with Documents for Mortgage or Rent

Getting a new mortgage, remortgage or rental property should be an exciting step. But often it turns into stress when the bank, broker or letting agent starts asking for documents you’ve never heard of:

• “Can you get a letter from your accountant?”
• “We need your SA302 and Tax Year Overviews.”
• “Please provide two years of accounts signed by a qualified accountant.”
• “We’ll need a proof-of-income letter and a rental reference.”

If you are self-employed, a company director, a freelancer, contractor, landlord or new to the UK, these requests can be confusing and time-sensitive.

At Audit Consulting Group (ACG) we specialise in helping clients across the UK prepare clear, lender-friendly documents for mortgages and rental applications. We cannot decide whether you get a mortgage or rent approval – that is always up to the lender or landlord – but we make sure your financial paperwork is accurate, professional and easy to understand, so your application has the best possible chance.

Whether you are looking to buy your first home, move to a bigger place, remortgage, or pass tenant referencing, we are here to support you every step of the way.

What Does “Support with Documents for Mortgage or Rent” Mean?

Every lender and letting agent has their own checklist. But in general, they want proof that:

1. You earn enough to afford the payments.
2. Your income is stable and genuine.
3. Your tax affairs are up to date and properly reported.

For employed people, this is usually quite simple: a few payslips and a P60.

For self-employed people and company directors, things are more complex. Lenders and agents may ask for:

• Accountant’s reference letter confirming income and business stability.
• Full accounts or abbreviated accounts for one to three years.
• Self-Assessment tax returns (SA100) and SA302 summaries.
• HMRC Tax Year Overviews to match the returns.
• Dividends and salary breakdown for company directors.
• Rental accounts for landlords.
• Bank statements and cash-flow projections.

Our job at Audit Consulting Group is to prepare, explain and package these documents in a way that meets the lender’s or landlord’s requirements and reflects your real financial position.

Who Our Mortgage and Rent Document Support Is For

Self-employed individuals

• Sole traders
• Freelancers (IT, creative, consulting, medical, construction, etc.)
• Partners in professional firms

We help you present your income history clearly and consistently in line with lender expectations.

Company directors and shareholders

If you pay yourself via salary and dividends, lenders may struggle to read your accounts. We explain:

• what your share of profits is
• what income trend looks like
• how much is available to support a mortgage or rent

Contractors and gig-economy workers

Short-term contracts and changing clients are common today, but some lenders still like things “old-school”. We prepare documentation that shows your ongoing earning capacity and the stability of your work pattern.

Landlords

If your main income comes from rental properties, we can prepare:

• rental profit and loss accounts
• summaries of mortgage payments
• net income after costs
• references for letting agents when you yourself are renting or buying.

New arrivals to the UK

If you recently moved to the UK, you might not yet have a long credit history or years of tax returns. We help you present overseas income, UK earnings, and any savings in a way that lenders and agents can understand.

How Audit Consulting Group Helps with Your Mortgage or Rental Documents

1. Lender-friendly accountant letters

Most banks and building societies accept letters and references only from qualified, recognised accountants. Our team prepares:

• Accountant’s confirmation of income – summarising your earnings over specific tax years
• Employment or self-employment confirmation letters – describing your role, business type and how long you have traded
• Affordability and sustainability statements – outlining how your current income supports the proposed mortgage or rent

Each letter is:

• issued on official letterhead
• signed and dated by a qualified professional
• includes our contact details in case the lender needs to verify anything

We tailor each letter to the exact format or template your mortgage broker, bank or letting agent requests.

2. SA302 and Tax Year Overview support

Many lenders now require SA302 documents and Tax Year Overviews from HMRC for the last 2–3 tax years. If you’ve never downloaded these before, it can be confusing.

We can:

• Check your Self-Assessment returns are correctly submitted
• Help you retrieve SA302 and Tax Year Overview documents
• Ensure the figures in your accounts, tax returns and SA302s all match, avoiding last-minute questions
• Explain any one-off changes in income so lenders understand them (for example, a year with a large expense or a temporary decline)

3. Preparation of business accounts for mortgage lenders

For self-employed people and small companies, old or basic accounts may not be enough for a mortgage underwriter.

We prepare up-to-date, clear accounts that:

• show turnover, profit, drawings, salary and dividends
• highlight any add-backs (such as one-off costs) where appropriate
• demonstrate a consistent or improving income trend where possible

Having professionally prepared accounts often gives lenders more comfort than simple spreadsheets or bank statements.

4. Income references and letters for rent

Letting agents and landlords often ask for:

• Proof of income letter from an accountant
• Confirmation that rent is affordable
• Details of any business debts or liabilities

We provide concise letters that set out:

• your average net income
• type and stability of your work
• any additional sources of income (e.g. pensions, investments, benefits)

Where needed, we can also confirm that your previous rent was paid on time, using our knowledge of your accounts and bank records (subject to the information you provide).

5. Clarifying complex income situations

Modern working patterns aren’t always straightforward, but many underwriting systems still are. We help explain situations like:

• multiple income streams (employment + self-employment + rental income)
• seasonal or project-based income
• recent change from employment to self-employment
• maternity or parental leave affecting one tax year
• directors who reinvest profits rather than drawing them all out

We create a short, clear narrative that explains your story in a way a lender can quickly understand.

6. Ensuring your tax affairs are up to date

Lenders feel more comfortable when your tax returns and payments are up to date. If you have outstanding returns or payments, we can:

• bring your Self-Assessment and Corporation Tax up to date
• correct errors in previous filings
• agree with you on a payment plan for any outstanding tax where necessary

This not only helps with your mortgage or rent application, but also gives you peace of mind.

Our Process – Simple and Stress-Free

Step 1 – Free initial conversation

You contact us with a brief description of what you need:

• buying, remortgaging, or renting?
• which bank, broker or letting agent?
• what documents have they asked for?

We review this and suggest a plan, along with an estimate of cost and time.

Step 2 – Quotation and document checklist

We provide a fixed-fee quote (typically starting from £120 + VAT for a standard letter and supporting documents) and a simple checklist of information we need from you, such as:

• recent accounts or tax returns
• copies of lender / agent document lists
• bank statements (where helpful)

Once you are happy, we start work immediately.

Step 3 – Review of your financial position

We review your income history, business performance and tax filings to:

• confirm the figures are correct
• identify any gaps or risks
• decide the best way to present your income to the lender or landlord

If anything needs fixing (for example, a late tax return), we discuss it with you first.

Step 4 – Draft documents

We prepare:

• draft accountant letters
• updated accounts if needed
• explanations or summaries for unusual situations

You review these drafts, and we adjust the wording if your broker or agent has any special requirements.

Step 5 – Finalisation and issue

Once you approve the drafts:

• We issue final documents on firm letterhead, signed by a qualified accountant.
• We can email them directly to your broker or agent (with your permission) and, if required, send originals by post.
• If the lender has follow-up questions, we reply quickly and keep you informed.

Why Use An Accountant for Mortgage and Rent Documents?

Professional credibility

Most lenders and agents trust documents issued by established accountancy firms more than self-prepared spreadsheets or informal letters. A professional letter can speed up approvals and reduce questions.

Correct interpretation of your income

As accountants, we understand:

• how lenders calculate average income
• what they usually ignore (for example, certain one-off income)
• which figures they focus on (net profit, salary + dividends, rental profit, etc.)

We can present your numbers in a way that fits their criteria while remaining honest and compliant.

Avoiding mistakes and contradictions

Inconsistent numbers between accounts, tax returns and SA302s can raise red flags. We ensure all documents:

• add up correctly
• cover the same periods
• use the same labels and terminology

This reduces the risk of delays or declined applications.

Saving your time

Instead of spending hours trying to understand what documents are needed, you can send us your lender’s list and let us handle the process.

Important Note – We Are Not Mortgage Brokers

We are accountants and tax advisers, not mortgage brokers or lenders. That means:

• We do not recommend specific mortgage products or providers.
• We do not guarantee that a lender will approve your application.
• Our role is to prepare and explain the financial documents that lenders and landlords need.

If you do not yet have a broker, we can suggest that you speak to an independent, FCA-authorised mortgage adviser, but we will not advise you on particular mortgage contracts.

Common Document Types We Provide

• Accountant’s letter confirming self-employed income
• Accountant’s reference for mortgage underwriters
• Proof of income letter for rent
• Confirmation of employment or directorship
• Certificates of net profit and drawings
• SA302 and Tax Year Overview support
• Up-to-date accounts for sole traders and limited companies
• Rental income schedules for landlords
• Explanatory notes or additional statements requested by underwriters

Case Studies – Real-Life Examples

Case Study 1 – First-time buyer, self-employed web designer

Client: Emma, self-employed web designer, trading for three years
Goal: Buy her first flat in Manchester
Problem: The bank requested three years of accounts, SA302s and an accountant’s reference. Emma had basic spreadsheets and had filed her tax returns herself.

Our work:

• Reconstructed and checked her accounts for the last three years.
• Ensured her tax returns matched the real figures and were fully up to date.
• Prepared professional accounts and issued an accountant’s letter confirming her average income and business stability.
• Helped her download SA302 and Tax Year Overview documents from HMRC.

Result: The mortgage underwriter accepted the documents without further queries. Emma’s mortgage was approved and she completed her purchase on schedule.

Case Study 2 – Company director remortgaging family home

Client: Raj, director and 50% shareholder in a growing IT consultancy
Goal: Remortgage to a better rate and raise extra funds for home improvements
Problem: His income came from a mix of salary and dividends, and profits fluctuated as the company reinvested into new staff. The bank was unsure how to interpret his income.

Our work:

• Prepared a director’s income schedule showing salary, dividends and share of retained profits over three years.
• Issued an accountant’s letter explaining the business growth, reinvestment, and Raj’s true earning capacity.
• Clarified that the recent lower dividend year was due to reinvestment, not falling business.

Result: The lender accepted the explanation and used an average of three years’ income, resulting in a successful remortgage at a competitive rate.

Case Study 3 – Tenant referencing for self-employed couple

Clients: Marta and Lucas, self-employed photographer and videographer
Goal: Pass referencing for a new rental property in London
Problem: The letting agency wanted proof of combined income over the last year and a statement confirming that rent would remain affordable.

Our work:

• Prepared a combined income report based on their accounts and bank statements.
• Issued a proof of income and affordability letter for both of them, confirming their average monthly net income and explaining their project-based work.
• Responded directly to a few follow-up questions from the letting agent.

Result: The letting agent approved their application, and they moved into the flat within three weeks.

Frequently Asked Questions – Mortgage and Rent Document Support

What information do you need from me to prepare the documents?

We usually require:

• recent accounts or income records
• copies of your last tax returns and HMRC confirmations
• the lender’s or letting agent’s document request list
• your permission to speak to your broker or agent if needed

In some cases we may also ask for bank statements or explanations for unusual income patterns.

How quickly can you prepare an accountant’s letter?

For straightforward cases where your accounts and tax returns are up to date, we can often prepare a draft within a few working days after receiving all information. More complex cases, or situations where we need to bring your tax affairs up to date, can take longer.

Are your letters accepted by banks and letting agents?

We are a professional accountancy practice, and our letters are prepared to meet typical UK lender and letting-agent standards. While we cannot guarantee that every lender will accept every application (that depends on their criteria and your circumstances), our letters are drafted in a way that is clear, professional and easy for underwriters to use.

Can you talk directly to my mortgage broker or letting agent?

Yes. With your permission, we can speak directly to your broker, lender or agent to confirm details, understand their requirements and respond to any follow-up questions. This often saves time and avoids misunderstandings.

Do I need to be an existing client to use this service?

No. Many people come to us specifically for support with documents for mortgage or rent. We will carry out basic checks and onboarding, then focus on the documents you need. If you wish, we can also look after your ongoing accounts and tax returns in future years.

What if my tax returns are behind?

If your Self-Assessment or Corporation Tax returns are late, lenders may be unwilling to proceed. In that case, we can:

• bring your returns up to date
• agree on a timetable for any tax payments
• then prepare the letters and references needed

This may take extra time, but it will put you in a much stronger position for any current or future applications.

Can you guarantee that my mortgage or rental application will be approved?

No. The decision to approve or decline an application is always made by the lender or landlord, based on their own criteria and risk assessment. Our role is to ensure your financial documents are accurate, professional and fully support your application.

Do you only work with clients in certain parts of the UK?

We support clients throughout the UK and also UK nationals living abroad who are buying or renting property here. All work can be done by phone, email and secure document upload. We post or courier original letters if required.

How much does your service cost?

Our pricing is transparent and fixed wherever possible. A simple accountant’s letter and check of existing figures typically starts from £120 + VAT. More complex cases involving multiple years of accounts, bringing tax filings up to date or dealing with several lenders will be quoted individually before we start.

Client Testimonials

“They made a scary process simple.” – Laura H., self-employed copywriter, Bristol

My broker told me the bank needed SA302s and an accountant’s letter confirming my income. I had no idea where to start. Audit Consulting Group handled everything – they checked my tax returns, downloaded the right documents and sent a professional letter to the underwriter. I honestly don’t think my mortgage would have gone through as smoothly without them.

“Professional, responsive and clear communication.” – Daniel K., company director, London

We were remortgaging and the lender raised several questions about my company accounts. ACG stepped in, prepared a director’s income schedule and spoke directly with the underwriter. Their explanations made sense to both me and the bank, and the mortgage offer was issued just in time for our fixed rate to end.

“Helped us pass referencing for our dream flat.” – Sophie & Adam, freelancers, Brighton

As two freelancers we were worried that letting agents wouldn’t take us seriously. ACG produced a combined income report and a clear affordability letter. The agent said it was the most straightforward set of documents they’d seen from self-employed tenants. We were approved quickly and moved in with no hassle.

Ready to Get Your Documents Sorted?

If a bank, broker or letting agent is asking for documents you don’t have or don’t understand, don’t panic. Send us their checklist and we will guide you through exactly what is needed.

+44 7386 212550
info@auditconsultinggroup.co.uk

Audit Consulting Group – clear, reliable support with documents for mortgage or rent, so you can move forward with confidence.