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chuckl1es

magpiecottage wrote: »

What was wrong with it? Self cert mortgages were arranged that should not have been but the normal reason is inflated salary.

That is fraud and the borrower is always complicit because they are the ones who signed the application.

I take it you are inferring I was party to some sort of crime ??
I do not know why I was on a self cert and certainly never asked to be. Through advice, I have recently obtained a copy of my original mortgage application form and it clearly shows that I was employed at the time and it also states the salary I was earning which was at a level that would easily have got me the mortgage I wanted. Therefore, I have absolutely no idea why the IFA at the time put me on a self cert mortgage, I can only assume he earned more commission as a result.