One year accounts courier driver mortgage. Is it possible

Daniboy1

My issue is if anyone has some insight that my partner is a courier driver, before this he was a security guard and unfortunately was paid in cash end of a busy night so never built a paye history. He then moved from the city and started a new life, started courier work and will earn £40k a year. Has been self employed since November 2024. 

Now looking to get a house in the future. 

I assume that one years accounts would be good as waiting two years to get a house is scary. 

An accountant suggested to put in last years accounts 2023-24 and the 24-25 to make two years. It didn't make sense as he only started in November 2024. 

I don't know how to go about this and just keep one year accounts 2024-25 and then apply for the mortgage next year. Or is there no opportunity for a mortgage with one years accounts with his job. House value I would go for £200k but would the lender want more than a 10% deposit then as will only have one year accounts. Please if someone could give some insight 

ACG

November is a bit awkward.
Assuming he is a sole trader, he will not really have accounts. He would have a self assessment, but the SA goes from April to April. 

It MIGHT be possible to get one years figures (ie november to november) and use them. Your options will be limited. Rates could be "normal", but might be up to maybe 0.5% above the high street. Definitely one for a broker when the time comes. The bigger your deposit (ideally saved or at least in part saved) the better.