How Accountants Help with Life Goals (Not Just Tax Returns!)

When most people think of accountants, they imagine someone sitting behind a desk crunching numbers, filing tax returns, and telling you how much you owe HMRC. And while, yes, that is part of what we do — it’s far from the whole story.

At Forth Accountancy, we’ve recently helped three clients achieve something major: securing their first mortgage. And no, we didn’t broker the mortgage or find the house — but what we did was just as crucial. We prepared their official sole trader accounts, something that many lenders require but which not every sole trader has.

Here’s the thing: if you’re self-employed, especially as a sole trader, just filing your tax return often isn’t enough when it comes to applying for finance — whether that’s for a mortgage, a car loan, or even some business funding. Lenders want to see proper accounts. That’s where we come in.

How can accountants help outside of tax season?

Helping You Get a Mortgage

Banks and lenders are cautious — especially when it comes to self-employed income. While a tax return gives some insight, professionally prepared accounts provide a clearer, more reliable picture of your financial health. They show profit trends, business stability, and are far more reassuring to underwriters. We’ve worked with lenders to make sure our clients have exactly what’s needed to back up their income claims — helping them finally get the keys to their first home. That’s a big deal, and we’re proud to play a part in moments like these.

Making Your Business Look Its Best

Whether you’re applying for credit, looking to rent commercial property, or even bidding for a contract, neatly presented and professionally prepared accounts can give you credibility. They show you're serious about your business and that you're on top of your finances.

Planning Ahead — For You and Your Family

Beyond the numbers, we help clients plan for the future. That could mean saving for retirement, preparing for maternity or paternity leave, or understanding how your business decisions today impact your future personal finances. Good advice now can lead to far better outcomes later.

Bringing Peace of Mind

Running your own business is rewarding, but it can also be overwhelming. Having an accountant who knows you, understands your goals, and can offer practical, down-to-earth advice is invaluable. We're here for the day-to-day, but also the big life moments.

It’s Not Just About Tax — It’s About You

If you're a sole trader and you’ve been just “getting by” with a basic tax return, you’re not alone. But when it comes to reaching your goals like buying a home, growing your business, or just sleeping better at night, there’s so much more we can do to help.

We’re here not just to tick boxes, but to stand beside you in the big moments. Because your life goals are our business, too.

Need help getting your accounts in shape? Let’s chat — whether it’s for a mortgage, peace of mind, or planning for the future, we’re here to help.