Running a business shows you can build income. But for a bank, your income is only as strong as the way it's documented and calculated.
What can affect your mortgage● How long your business has been running. Many banks expect at least 12–24 months of activity. ● Your tax form and accounting. Ryczałt, flat-rate tax or full accounting — banks calculate income from each very differently.● Low declared profit. Tax optimisation is smart for your business, but it can reduce the amount a bank will lend you.● Seasonal or uneven income may be averaged in ways that work against you.
How I help• I show you how different banks will read your business income — before you apply.• I find banks whose approach fits your type of business and tax form.• I help you plan ahead if you're thinking about a mortgage in the next year or two.• I check the property's documents to help protect your deposit.Documents usually needed• ID and residence documents• Business registration (CEIDG or KRS) [CHECK]• Tax returns (PIT) for the last 1–2 years• Revenue and expense records (KPiR or financial statements)• Confirmation of no tax or ZUS arrears• Business bank statements