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joint buy to let

jesmin45
jesmin45 Posts: 172 Forumite
in Mortgages & endowments
been approved for a buy to let re-mortgage, one applicant had to earn min £25k which my partner does. i earn on average £450 per month which gets paid into my bank, no tax or ni so payslip is literally a headed paper with name, ni date and amount on. i also receive £520 rent on the property, propery at mo is in my sole name but when we re-mortgage it is going in both names.
the lender is asking for 3 months pay slips and p60 for both apps, parnter has proper slips with p60, i have no p60 as i dont pay tax, could this cause a problem with the mortgage lender?

Comments

  • TMSL
    TMSL Posts: 93 Forumite
    Who is the lender.?
    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.
  • jesmin45
    jesmin45 Posts: 172 Forumite
    the lender is Aldermore Mortgages.
  • Thrugelmir
    Thrugelmir Posts: 89,546 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jesmin45 wrote: »
    i have no p60 as i dont pay tax,

    Paying no tax is not relevant. As you pay NIC your employer will still need to declare your earnings to the HMRC and send a copy of your P60 when they submit the annual P35 return.
  • agrinnall
    agrinnall Posts: 23,344 Forumite
    10,000 Posts Combo Breaker
    marcolin wrote: »
    i also want to know　Who is the lender.?

    Perhaps you should learn to read before looking for a mortgage.
  • agrinnall
    agrinnall Posts: 23,344 Forumite
    10,000 Posts Combo Breaker
    marcolin wrote: »
    i want to know Who is the lender?

    Yes, we read that the first time, repeating it doesn't change the fact that the lender has already been identified in post # 3. Or are you just an incompetent spammer?
This discussion has been closed.
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