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self cert help pls...
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The whole point is i don't really want to have to prepare figures for my mortgage. Recent years' income have been very low, and will not enable me to borrow very much at all! I don't want to have to pay an accountant to project figures for me. Between myself and partner (who i dont want named on the mortgage for personal reasons!) we will comfortably afford a 50k mortgage. (about £240 monthly fixed for 2 years) In 2 years time i will have the funds available to pay the majority of the 50k off anyway.
That is why i simply want a self cert which requires no proof of income or figures that some accountant has made up for me....and a lender which can allow me to apply on line for simplicity....
Maybe none exist?
I can see the need for brokers and advisors in many circumstances but in my case i just want an easy deal with minimal fees.0 -
I am an Independent Financial Adviser.Anything posted on this forum is for discussion purposes only. It should not be considered financial advice. Different people have different needs and what is right for one person may be different for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser who can advise you after finding out more about your situation.0
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what makes you choose that site to reccomend Joe?I am an IFA (and boss o' t'swings idst)You should note that this site doesn't check my status as an IFA, 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.0
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Might have something to do with the contact being in Blackburn and the start of the email being joe@HelpWhereIcan wrote: »what makes you choose that site to reccomend Joe?I am an Independent Financial Adviser and as such any discussion / conversation held within this forum does not construe advice in any way. Discussions should be used for guidance purposes only, you should always seek the services of an Independent Financial Adviser before making any financial decisions.0 -
Thanks Joek but like all the other sites i've tried, this one just tells me to "Refer to a Mortgage Professional" after i've punched in all my details.0
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You need a GMAC Star Mortgage - unfortunately no longer available.
Why are people talking about remortgaging anything? - Don't you need to sell yours AND raise £50k?
Andy.0 -
Yes Andy, that's exactly what i need to do.
Have had a couple of quotes now so getting somewhere...0
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