The Challenge
Many creators worry that banks won’t take them seriously because their income comes from OnlyFans. The good news? It’s 100% possible to get a mortgage… but you’ll need the right paperwork.
What Do Lenders Require?
- 2–3 years of accounts or self-assessment returns.
- Proof of steady income (even if variable).
- SA302 forms (from HMRC) to show declared earnings.
Common Problems Creators Face
- Mixing personal & business income (lenders don’t like this).
- Not declaring all income (banks only count official tax returns).
- High fluctuation in monthly income (lenders prefer consistent proof).
How an Accountant Helps
A specialist OnlyFans accountant can:
- Prepare proper accounts lenders trust.
- Provide tax calculations & SA302s.
- Advise on whether to apply as a sole trader or limited company director.
👉 Want to boost your mortgage chances? Work with Simplr Accounting – the UK’s OnlyFans accountants.