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  • FIRST POST
    • SiWBristol
    • By SiWBristol 3rd Oct 17, 7:47 AM
    • 1Posts
    • 0Thanks
    SiWBristol
    Any lenders that dont require p60?
    • #1
    • 3rd Oct 17, 7:47 AM
    Any lenders that dont require p60? 3rd Oct 17 at 7:47 AM
    Hi all,
    Bit of a long story, but are there any lenders that don't request a P60 and accept 3 months wage slips?
    Advice most welcome.
Page 1
    • ACG
    • By ACG 3rd Oct 17, 8:17 AM
    • 15,906 Posts
    • 8,149 Thanks
    ACG
    • #2
    • 3rd Oct 17, 8:17 AM
    • #2
    • 3rd Oct 17, 8:17 AM
    Yes, but it would rise concerns as to why you are trying to avoid providing one.

    Can you not provide one to whoever you have applied to and just explain why it is less than they would expect it to be?
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
    • NineDeuce
    • By NineDeuce 3rd Oct 17, 8:42 AM
    • 540 Posts
    • 480 Thanks
    NineDeuce
    • #3
    • 3rd Oct 17, 8:42 AM
    • #3
    • 3rd Oct 17, 8:42 AM
    Yes. It's called the bank of Mum and Dad.
    • Ronaldo Mconaldo
    • By Ronaldo Mconaldo 3rd Oct 17, 11:03 AM
    • 4,989 Posts
    • 5,242 Thanks
    Ronaldo Mconaldo
    • #4
    • 3rd Oct 17, 11:03 AM
    • #4
    • 3rd Oct 17, 11:03 AM
    That doesn't look like a long story.
    • moatmeister
    • By moatmeister 3rd Oct 17, 11:59 AM
    • 272 Posts
    • 47 Thanks
    moatmeister
    • #5
    • 3rd Oct 17, 11:59 AM
    • #5
    • 3rd Oct 17, 11:59 AM
    TSB only asked for payslips when I applied recently.

    But they declined application at quote stage even though I have been with them (ex Chelt&Gloucs) for years!
    • Thrugelmir
    • By Thrugelmir 3rd Oct 17, 12:26 PM
    • 56,242 Posts
    • 49,611 Thanks
    Thrugelmir
    • #6
    • 3rd Oct 17, 12:26 PM
    • #6
    • 3rd Oct 17, 12:26 PM
    Lenders can confirm salary details directly with the HMRC if they wish.
    “Opportunities come infrequently. When it rains gold, put out the bucket, not the thimble”
    ― Warren Buffett
    • clairebeth
    • By clairebeth 3rd Oct 17, 5:38 PM
    • 140 Posts
    • 53 Thanks
    clairebeth
    • #7
    • 3rd Oct 17, 5:38 PM
    • #7
    • 3rd Oct 17, 5:38 PM
    First Direct only require wage slips. I actually offered our P60s and she said she didn't need them.
    • _CC_
    • By _CC_ 3rd Oct 17, 6:32 PM
    • 274 Posts
    • 262 Thanks
    _CC_
    • #8
    • 3rd Oct 17, 6:32 PM
    • #8
    • 3rd Oct 17, 6:32 PM
    First Direct only require wage slips. I actually offered our P60s and she said she didn't need them.
    Originally posted by clairebeth
    If they shows basic pay / salaried. If you get paid hourly or other arrangement then they'll likely ask for P60s and contract / letter from employer.
    • Mortgage_Adviser
    • By Mortgage_Adviser 4th Oct 17, 10:21 AM
    • 46 Posts
    • 22 Thanks
    Mortgage_Adviser
    • #9
    • 4th Oct 17, 10:21 AM
    • #9
    • 4th Oct 17, 10:21 AM
    Are any bonus, comission, overtimes being used for affordability assessment or is it a pure basic?
    • David White
    • By David White 4th Oct 17, 11:44 AM
    • 863 Posts
    • 378 Thanks
    David White
    Sounds like you're attempting to do something wrong and want to identify a way of doing it.
    I am a Mortgage Broker
    You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it.
    This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
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