Self Cert

toonfish

Conrad wrote: »

Which lender do you not have to give an income figure to please?

I thought you were a broker?

Conrad

toonfish wrote: »

I thought you were a broker?

Come on Toon, which lender?

I dont know of one that doesnt require an income figure, after all that would constitute irresponsible lending.

So again, which lender? (remember this guy wants to save money not pay over the odds)

I can put this question out on a new thread if you dont wish to answer

toonfish

Do what you like - you are up to your old tricks of trying to belittle advisers (despite being one yourself) and worrying the client unnecessarily - all they need to declare is that their annual disposable income is sufficient to meet the borrowing - salary figures etc are not required.

If you don't know the lender then you should.

Oh and the rates come from 5.39%

Rick62

I'm not aware of any such lender - please tell us!

Conrad

toonfish wrote: »

Do what you like - you are up to your old tricks of trying to belittle advisers (despite being one yourself) and worrying the client unnecessarily - all they need to declare is that their annual disposable income is sufficient to meet the borrowing - salary figures etc are not required.

If you don't know the lender then you should.

Oh and the rates come from 5.39%

Ah, so you do have to enter an income figure, you said you didnt earlier.

Thanks.

Its not about worrying clients ITS ABOUT TREATING CUSTOMERS FAIRLY and giving them all the facts.
The industry needs to get more professional, that means covering everything with clients and fogetting th spivv talk.

I wonder, do you tell your clients that fasttrack lenders (such as N Rock, Halifax and Nationwide) will spot check income proof after completion??

Rick62

ForkHandles, HBOS are usually competitive, including remortgages. I would start by just asking them, so long as you are not asking for any change apart from the product you might avoid having to give your income etc.

Rick62

Toonfish, why not just tell us which lender. Conrad is not trying to belittle or confuse anyone, you seems to be your job today!

herbiesjp

Could it be TMW?

toonfish

herbiesjp wrote: »

Could it be TMW?

yes, they ask for your annual disposable income, that's all - no doubt Conrad will say this is just the same as asking for a declred income but it is not.

Not trying to hide or cover up anything but I'm pee'd off that he comes on here slating advisers when he is one himself, but for some reason is not willing to include the signature.

Conrad, we don't do fast track unless we have proof of income, so your question is irrelevant.

So Conrad, with your industry expertise, what do you suggest? Have you a potential solution for the client or are you leaving that to the "muppets"?

JoeK_3

Mmmm, now what was the original question??

JoeK