self cert,need more than 75% ltv

strangelybrown_3

1st time house movers
def need a self cert,existing lender(b+w)seem to be only offering 75%ers,
85%ltv is our min,90%would be better,are these ltv still available although we realize they come with higher rates
help me obi wan.. your my only hope....

_Andy_

When you say definetely self-cert, what's the reason for that?

herbiesjp

strangelybrown wrote: »

help me obi wan.. your my only hope....

Follow the force and explain why you need a self cert

Give some more figures:
Property value
Mortgage amount
Gross yearly income

strangelybrown_3

Property is up for 97k,with 5% dep paid,need to borrow 82,450 min,87k would be better
gross income is 11.5k for my wife +25k@ for me, yet as i'm self employed with 95% cash jobs and my wife is on maternity leave till sept,proofs of this rather thin on the ground,thats why we have used self certs in the past when we've remorgaged

minimike2

If you really need to self cert then check out bank of scotland.

You should see a broker first though to see if there are other options.

neverdespairgirl

strangelybrown wrote: »

+25k@ for me, yet as i'm self employed with 95% cash jobs and my wife is on maternity leave till sept,proofs of this rather thin on the ground,thats why we have used self certs in the past when we've remorgaged

No problem - you can use your tax returns to show you've been earning £25k.

herbiesjp

Exactly - how long have you been self employed? What is your occupation?

How many years tax returns do you have?

strangelybrown_3

thanks for all the advice sweeties, but all i wanted to know was if anyone was aware of any self cert products offering more than 75%ltv, as i'm just desparate for a dip darlings

arkie

strangelybrown wrote: »

Property is up for 97k,with 5% dep paid,need to borrow 82,450 min,87k would be better
gross income is 11.5k for my wife +25k@ for me, yet as i'm self employed with 95% cash jobs and my wife is on maternity leave till sept,proofs of this rather thin on the ground,thats why we have used self certs in the past when we've remorgaged

be careful ... cash in hand could be looked at as tax evasion !!!!

Toughluck

SB

Any adverse credit for you? If not, as someone said go to the bank of scotland (armed with an SA302).

herbiesjp

strangelybrown wrote: »

thanks for all the advice sweeties, but all i wanted to know was if anyone was aware of any self cert products offering more than 75%ltv, as i'm just desparate for a dip darlings

If you go down the mortgage fraud route or the tax evasion route, you will be taking more than a dip - you could get fined or even a nice spell in one of HM prisons!