Buy-to-Let Mortgage Criteria

No.

Accountants must be a member or fellow of the following Institutes, Associations or professional bodies:

• Member/Fellow of the Chartered Institute of Taxation (CTA)
• Member/Fellow of the Institute of Chartered Accountants in England & Wales (ICAEW) (ACA or FCA)
• Member/Fellow of the Institute of Chartered Accountants of Scotland (ICAS) (CA)
• Member/Fellow of the Association of Chartered Certified Accountants (ACCA or FCCA)
• Member/Fellow of the Chartered Institute of Management Accountants (CIMA) (ACMA or FCMA)
• Member of the Chartered Institute of Public Finance and Accountancy (CIPFA) (CPFA)
• Member/Fellow of the Association of International Accountants (AIA) (AAIA or FAIA)
• Member/Fellow of the Association of Authorised Public Accountants (AAPA)
• Member/Fellow of the Institute of Financial Accountants (IFA) (FFA or AFA)
• Member/Fellow of the Association of Certified Public Accountants (CPA) (ACPA or FCPA)
• Member/Fellow Member of the Association of Accounting Technicians (MAAT or FMAAT).

Accountants must be a member or fellow of the following Institutes, Associations or professional bodies:
– Member/Fellow of the Chartered Institute of Taxation (CTA)
– Member/Fellow of the Institute of Chartered Accountants in England & Wales (ICAEW) (ACA or FCA)
– Member/Fellow of the Institute of Chartered Accountants of Scotland (ICAS) (CA)
– Member/Fellow of the Association of Chartered Certified Accountants (ACCA or FCCA)
– Member/Fellow of the Chartered Institute of Management Accountants (CIMA) (ACMA or FCMA)
– Member of the Chartered Institute of Public Finance and Accountancy (CIPFA) (CPFA)
– Member/Fellow of the Association of International Accountants (AIA) (AAIA or FAIA)
– Member/Fellow of the Association of Authorised Public Accountants (AAPA)
– Member/Fellow of the Institute of Financial Accountants (IFA) (FFA or AFA)
– Member/Fellow of the Association of Certified Public Accountants (CPA) (ACPA or FCPA).
– Member/Fellow Member of the Association of Accounting Technicians (MAAT or FMAAT).

To verify self-employed income we request an Accountants Certificate confirming latest trading year (within the last 18 months), or, 3 most recent years Tax Calculations and corresponding overviews, or business accounts for the last 3 years.

Will require an accountant reference and accounts.

Management Accounts and/or Projections can be considered if verified by an Accountant who meets the Society’s requirements.

Yes, if using to assess most recent completed years and sustainability going forward.

Accountants must be a member or fellow of the following Institutes, Associations or professional bodies:

• Member/Fellow of the Chartered Institute of Taxation (CTA)
• Member/Fellow of the Institute of Chartered Accountants in England & Wales (ICAEW) (ACA or FCA)
• Member/Fellow of the Institute of Chartered Accountants of Scotland (ICAS) (CA)
• Member/Fellow of the Association of Chartered Certified Accountants (ACCA or FCCA)
• Member/Fellow of the Chartered Institute of Management Accountants (CIMA) (ACMA or FCMA)
• Member of the Chartered Institute of Public Finance and Accountancy (CIPFA) (CPFA)
• Member/Fellow of the Association of International Accountants (AIA) (AAIA or FAIA)
• Member/Fellow of the Association of Authorised Public Accountants (AAPA)
• Member/Fellow of the Institute of Financial Accountants (IFA) (FFA or AFA)
• Member/Fellow of the Association of Certified Public Accountants (CPA) (ACPA or FCPA)
• Member/Fellow Member of the Association of Accounting Technicians (MAAT or FMAAT).

Accepted