Certified Accounts for Mortgage

VDD

Hi All,
I am a Sole trader with a low income (15-20k per annum).
I do my accounts every year through an accountant.
My partner and I are looking for a mortgage. Based on her income alone we would be able to secure a mortgage enough for our needs but we want both our names on the title deeds so it must be a joint mortgage.

So the bank is looking for 3 years certified accounts. What exactly is a certified account? I have not been audited thus far. Is a certified account something my accountant will be able to provide?
I would not ask except they are not open over the weekend and I am driving myself mad trying to find answers online.
Many thanks in advance

chickenlicken2

VDD wrote: »

Hi All,
I am a Sole trader...

So the bank is looking for 3 years certified accounts. What exactly is a certified account? I have not been audited thus far. Is a certified account something my accountant will be able to provide?
I would not ask except they are not open over the weekend and I am driving myself mad trying to find answers online.
Many thanks in advance

Yes absolutely. Give them a ring on Monday morning and ask they send out a certified copy of your accounts for the last 3 years.

You probably received a copy after you signed off on your draft accounts.

It's essentially a copy of your accounts certified by your accountant. They aren't audited but signed off on by your accountant as being those that were prepared from your books and records.

Very common for bank to request.

VDD

Many thanks Chickenlicken for taking the time to respond and for clarifying that for me.
That's grand so, I will call them in the morning and hopefully they will get them to me reasonably quickly
Thanks again