Declining Profits Considered

Mortgage solutions even when your business has experienced declining profits.

FCA Regulated
Extensive Lender Panel
Based in Uxbridge
UK Wide Coverage
24hr Response
5★ Reviews

We Look Beyond the Numbers

Many lenders automatically reject applications where profits have declined year-on-year. We have access to specialist lenders who look beyond the headline numbers and consider the full picture, including sector context, one-off costs, investment in growth and future projections.

Common Reasons for Declining Profits

Investment in growth: hiring, marketing, new equipment
One-off costs: relocation, legal, restructuring
Sector-wide downturn with recovery projected
Change of accounting period or method
COVID-19 impact with subsequent recovery

Get Expert Advice

Free, no-obligation consultation. We'll be in touch within 24 hours.

No obligation • Initial consultation at our expense • Response within 24 hours

How We Help

Lenders who use lowest year rather than average
Lenders who accept accountant's explanations
Lenders who consider projected future performance
Alternative income evidence accepted

How It Works

1

Initial Consultation

We discuss your situation, income, goals and any concerns, at our expense and without obligation.

2

Market Search

We search our extensive lender panel including specialist lenders to find the best deal.

3

Application

We prepare and submit your application, managing all lender communications.

4

Completion

We coordinate with solicitors and the lender through to completion day.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Chess Mortgages is a trading style of Chess Property Services (London) Limited (Company No. 6575229), authorised and regulated by the Financial Conduct Authority (FCA No. 748976).

Frequently Asked Questions

Will I pay a higher rate?
Not necessarily. If the decline has a clear explanation and your current performance is strong, you may still access competitive rates through the right lender.
Can I get a mortgage with declining profits?
Yes. While most lenders prefer stable or rising profits, some specialist lenders take a pragmatic view and will consider the reasons for the decline. We'll present your case in the best light.

Ready to Get Started?

Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.