Prepare your mortgage evidence before you need it.
Mortgage Readiness brings completed tax years, current profit trends, deposit planning and document completeness into one educational preparation workspace.
No card needed. Takes under 60 seconds.
- Preparation score—not an approval score
- Confidence shown separately
- 3.5×, 4.0× and 4.5× generic illustrations
- Actual and projected figures kept distinct
What the preparation score measures
- Income evidence completeness
- Profit history and bookkeeping recency
- Deposit and property-goal preparation
- Affordability-input completeness
- Supporting-document readiness
Designed for self-employed preparation
Self-employed applicants are often asked to explain income across completed periods and provide consistent supporting records. Mortgage Readiness brings the information you already maintain in LedgerlyPro into a clearer preparation checklist.
Generic income-multiple illustrations are shown as examples only. They are not borrowing limits and do not reproduce any lender's decision model.
Organise self-employed mortgage documents and income evidence
Keep completed accounts, tax calculations, income evidence, bank statements, deposit records and identification in a structured preparation list. You can see what is present, what still needs review and which figures are actual or projected.
LedgerlyPro supports preparation before a conversation with an FCA-authorised mortgage adviser; it does not assess creditworthiness or choose a mortgage product.
What this means inside LedgerlyPro
Use your bookkeeping records to organise completed-year profits, current-year progress, deposit goals and supporting documents. The workspace highlights missing preparation items and keeps generic illustrations separate from actual evidence.
See self-employed bookkeeping · Start with 30 days free
Important information
Mortgage Readiness is an educational planning tool. It is not a credit score, Agreement in Principle, mortgage offer, affordability assessment or guarantee of approval. Lenders apply their own lending, affordability and credit criteria. It does not recommend a lender or mortgage. Consider speaking with an FCA-authorised mortgage adviser.
Frequently asked questions
What is Mortgage Readiness?
Mortgage Readiness is an educational preparation workspace for organising income evidence, bookkeeping history, deposit goals and supporting documents.
Does Mortgage Readiness guarantee approval?
No. It is not a credit score, Agreement in Principle, affordability assessment, mortgage offer or guarantee of approval.
Does LedgerlyPro recommend a mortgage or lender?
No. LedgerlyPro does not recommend lenders or regulated mortgage products. Lenders apply their own credit and affordability criteria.
What records may help a self-employed mortgage application?
Requirements vary, but lenders or advisers may ask for completed tax-year information, accounts, bank statements, proof of deposit and identification. Mortgage Readiness helps organise preparation; it does not set lender requirements.
How can a self-employed person prepare for a mortgage application?
Keep bookkeeping current, organise completed accounts or tax-year evidence, review income history, record the deposit source and collect documents a lender or adviser may request. Requirements vary by lender and applicant.
Want a clearer view of protected business cash? Explore Safe to Spend.
Need to organise overdue customer payments? See Payment Rescue.
Want a practical preparation list before speaking with an adviser? Use the self-employed mortgage document checklist.
30-day free access. No card needed.
Join UK freelancers and small businesses running their books on LedgerlyPro.
Create free accountNo card needed. Takes under 60 seconds.
