Self published Author Getting a Mortgage?

TwoYearToMove

I'm hoping to be able to apply for a mortgage in mid 2027, so a long way out from now. But I wondered if my work situation might be an issue. I'm a self employed, self published author, which means I earn direct from having books on Amazon, and Amazon pays me. And that's fine, but my income heavily relies upon advertising, i.e. Facebook ads. Would that be an issue for a lender, when considering my situation? Or would they not care? I'm not alone in this situation, as 10000s of authors earn because of Facebook ads, but I just wondered if that would be an issue when I come to applying as maybe the lender might think that it's a problem with all my eggs being in one basket, so to speak.

born_again

Any lender would look at what you would be earning. So any advertising would be deducted from you income from the books. Just the same as it will when your report your tax.

ACG

You should do a self assessment. Your self assessment will include your income minus your expenses and that is what your income will be. Thats the figure (before tax) that the lender will use. 

TwoYearToMove

ACG said:

You should do a self assessment. Your self assessment will include your income minus your expenses and that is what your income will be. Thats the figure (before tax) that the lender will use. 

Thanks for the replies. I have an accountant, so know about my taxable income vs my gross income, before expenses. But my question was about, will lenders be concerned that the income is heavily reliant upon FB ads, which they will see as I understand, when they see 3 months of my bank accounts. Or will, they not care how the income is generated, and purely just look at the taxable amount earned?

ACG

How you run your business is up to you and if it is profitable enough to sustain a mortgage then you are running the business well. 
No, they wont bother about the amount of spend on advertising or where the advertising is.