I just got a new mortgage (last week)
3 years (most recent)
3 * SA302
3* Signed accounts from an accountant
2 * Tax overview
They averaged the figures over the 3 years to work affordability and mulitiplyers.
All went through fine, but thats because my monthly outgoings are high. So my annual draw down against the company is high. A collegue has a different lifestyle so draws less from his company, ergo his annual figures are very low but his co surpluss is high.....he went through a broker but same paperwork rules applied. Just got rejected at the 'computer says' level but approved when the underwriter looked at it