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Mortgage Muddle?
wakster
Posts: 2 Newbie
My Partner and I are in a pickle, she is self employed and has the proper 3yrs of accounts and is fine, I however started as a sub-contracter in october and have got nil-accounts, earnings are roughly £18K, but could be more with some creative accountancy. GF said she has about 25K PA
Had a friend who recently went for a Self Cert, my question is would it be better for us to use creative accounts on my behalf so say 25k PA or go self cert aswell? We have worked out what we can and can't afford to pay, and are sick of paying £700pcm to somebody else:mad:
Had a friend who recently went for a Self Cert, my question is would it be better for us to use creative accounts on my behalf so say 25k PA or go self cert aswell? We have worked out what we can and can't afford to pay, and are sick of paying £700pcm to somebody else:mad:
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