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

    Ready to Get Started?

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