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Lenders, landlords and the Home Office often want a qualified accountant to confirm your income. This hub explains what each certificate says, what evidence it rests on and what we can and cannot sign.
Certificates & references hub
Accountant certificates and references: questions answered
Accountant certificates for mortgage applications, income projections, certified income letters, visa references and confirming director investment for.
Written and reviewed by Waqas Sagar Member of ICAEW, Fellow of ACCA, Fellow of AAT, a double graduate and entrepreneur at heart, helping startups grow and serving thousands of businesses nationwide with an excellent team. Published by LimitedCompany.Accountants, 12 London Road, Morden, London SM4 5BQ. Reviewed 12 September 2026 against 2026/27 UK rates and current Companies House and HMRC guidance.
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Lenders, landlords and the Home Office often want a qualified accountant to confirm your income. This hub explains what each certificate says, what evidence it rests on and what we can and cannot sign.
01
Can my accountant provide a certificate for a mortgage application?
02
Can an accountant certify a profit projection for a mortgage lender?
03
What is an income certification letter and can a chartered accountant provide one?
04
Can my accountant provide a reference for a visa application?
05
Can an accountant provide a letter confirming a director's investment for the Innovator Founder route?
Every question in this cluster, answered
Can my accountant provide a certificate for a mortgage application? Yes, we can complete an accountant's certificate confirming income figures that match your filed accounts and tax returns, usually on the lender's own form. We certify what the records support; the lending decision itself always remains with the lender.
Can an accountant certify a profit projection for a mortgage lender? We can prepare or review a profit projection and confirm the assumptions are consistent with the trading history and reasonable given known contracts, but a projection is always a forecast, not a certified fact, and lenders treat it accordingly.
What is an income certification letter and can a chartered accountant provide one? An income certification letter is a short signed statement confirming your income for a stated period, cross-checked against filed accounts, CT600s or self assessment returns. We provide these where the figures are supported by records we have prepared or reviewed.
Can my accountant provide a reference for a visa application? We can confirm figures and facts that are evidenced in accounts, tax returns and company records we hold, such as income, shareholding or trading history. We cannot certify eligibility or predict a Home Office decision, which follows the published guidance for the specific route.
Can an accountant provide a letter confirming a director's investment for the Innovator Founder route? We can confirm that funds identified as director's investment have been received into the company bank account and recorded as capital introduced in the accounts. We do not assess whether that investment satisfies Innovator Founder eligibility, which is a Home Office matter.
Before you act
Rates, thresholds and deadlines quoted here reflect the 2026/27 UK position and current Companies House and HMRC guidance. Check GOV.UK, or ask us, before relying on them for your own company.
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We work with company directors across London and Surrey from our office at 12 London Road, Morden, London SM4 5BQ. Pick your area, or send the form below and we will call you back.
Frequently asked
Accountant certificates and references: questions answered: questions directors ask
Can my accountant provide a certificate for a mortgage application?
Yes, we can complete an accountant's certificate confirming income figures that match your filed accounts and tax returns, usually on the lender's own form. We certify what the records support; the lending decision itself always remains with the lender.
Can an accountant certify a profit projection for a mortgage lender?
We can prepare or review a profit projection and confirm the assumptions are consistent with the trading history and reasonable given known contracts, but a projection is always a forecast, not a certified fact, and lenders treat it accordingly.
What is an income certification letter and can a chartered accountant provide one?
An income certification letter is a short signed statement confirming your income for a stated period, cross-checked against filed accounts, CT600s or self assessment returns. We provide these where the figures are supported by records we have prepared or reviewed.
Can my accountant provide a reference for a visa application?
We can confirm figures and facts that are evidenced in accounts, tax returns and company records we hold, such as income, shareholding or trading history. We cannot certify eligibility or predict a Home Office decision, which follows the published guidance for the specific route.
Can an accountant provide a letter confirming a director's investment for the Innovator Founder route?
We can confirm that funds identified as director's investment have been received into the company bank account and recorded as capital introduced in the accounts. We do not assess whether that investment satisfies Innovator Founder eligibility, which is a Home Office matter.
What records are needed for accountant certificates and references: questions answered?
Keep bank statements, sales and platform reports, purchase invoices, payroll records, VAT workings, finance agreements and Companies House correspondence. We confirm the exact list at onboarding and identify gaps before a filing deadline becomes urgent.
How much does help with accountant certificates and references: questions answered cost?
The fee depends on transaction volume, record quality, VAT and payroll requirements, historic catch-up and the level of reporting needed. We agree a fixed scope and price before technical work starts, with published packages available on our fees page.
Can you take over accountant certificates and references: questions answered from another accountant?
Yes. We request professional clearance, collect the prior records and authorities, check the next Companies House and HMRC deadlines, and give you one clear handover list. The process is normally completed remotely.
Can accountant certificates and references: questions answered be handled online?
Yes. We work through secure cloud records, scheduled reviews and digital approvals, while keeping a named team available by phone, video call and email. Clients can also visit our Morden office by appointment.
Which accounting software works best for accountant certificates and references: questions answered?
We regularly work with Xero, QuickBooks, FreeAgent, Sage and connected sales or expense apps. The right setup depends on transaction volume, integrations and the reports you need, not simply the software brand.
Included approach
Organised, explained, on schedule.
Clear scopeDeadline visibilityHuman support
Check the current rules
Use official information as your reference point.
Deadlines, thresholds and filing rules change. GOV.UK and Companies House publish the current statutory position; advice should then be applied to your company’s circumstances.