Dr and MRs T came to AFP Partnership seeking specialist advice on first time buyer mortgages and the best deal they could get. Dr T had recently joined a partnership and so had less than one years full accounts. Despite the fact he has earned a good salary prior to this. Most lenders treat recently self employed as if they had just started a new business. It was a case of finding a lender who could understand the case and be sympathetic. We managed to find a lender who accepted his income based on accountants projections and a great rate. This took sometime to negotiate but Dr T was very happy to return to a mortgage offer from his holidays.