Has anyone had to deal with this yet?
Finished with my fixed term mortgage this month, so tried to remortgage (Halifax) to go onto another fixed term. Have 50% LTV, never missed a payment in 8 years, and have savings to pay the balance in full (if required)
Could I remortgage? Could I ****!
They want my sa302 (self asses tax) from the last 3 years - which will no doubt show my tax-efficient frugality when it comes to salary, and my full accounts (turnover, profit), which will include the 12 months I went without a contract in 12-13. As my accountant put it, the chances of me getting this new mortgage are slim.
Has anyone found a way to get round this? Or a lender that is perhaps a little bit less rigid in their approach?
Cheers
Lou
Finished with my fixed term mortgage this month, so tried to remortgage (Halifax) to go onto another fixed term. Have 50% LTV, never missed a payment in 8 years, and have savings to pay the balance in full (if required)
Could I remortgage? Could I ****!
They want my sa302 (self asses tax) from the last 3 years - which will no doubt show my tax-efficient frugality when it comes to salary, and my full accounts (turnover, profit), which will include the 12 months I went without a contract in 12-13. As my accountant put it, the chances of me getting this new mortgage are slim.
Has anyone found a way to get round this? Or a lender that is perhaps a little bit less rigid in their approach?
Cheers
Lou
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