Hello there, luke-groves88. Welcome to the Community forum.
Yes, you've got it right. You'll need an accountant to verify the accounts certificate required for a mortgage.
You may want to check this article to learn about tax calculation in QBSE:
Let me know if you have additional questions. You can post your concerns anytime. Take care
You have clicked a link to a site outside of the QuickBooks or ProFile Communities. By clicking "Continue", you will leave the community and be taken to that site instead.