Remortgaging after maternity leave when self-employed

SusiK

I was wondering if anyone had any experience with remortgaging as someone who is self employed and has recently taken maternity leave .
We’re currently on quite an expensive specialist mortgage as I’m self employed with only two years of accounts and my husband had a very bad credit rating. I’m hoping at the end of our two years fixed we can switch into a high street lender with a better rate. My husband’s credit rating will have improved, but to add complications, I have upcoming maternity leave that will mean my accounts for 19/20 show £0. My income is higher than my husband’s, so we need mine to be maximised to get a decent mortgage amount. We’ll be remortgaging in Nov 2020.
Does anyone know if lenders accept that maternity leave years are a ‘blip’ or if they take an average across a number of years including that one?
All advice welcome, it’s been somewhat stressing me out...

butterflybook

lenders will generally use an average of the last 2 years available accounts - the latest year end needs to usually be no longer than 18 months prior to the time of application so this may be a struggle although there may be lenders out there which will look at a projection

haras_nosirrah

I had this with a client of mine
30k, 30k ,0k, 13k - they took the 13k along with a projection and an explanation from the accountant as to why previous year was £0 (mat leave)