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Mortgage advice for Ltd company director?
Comments
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We do mortgages for contractors all the time, for our little £249 fee.
Some of our clients have been quoted well over £1,000 by "contractor specialists" for the same Halifax mortgage and they seem surprised when this little provincial Midlands broker can do the same deal for so much less.I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
But do they have to put up with a brummie accent if they dont get you?kingstreet wrote: »they seem surprised when this little provincial Midlands broker can do the same deal for so much less.
Sometimes its worth paying the extra £750
I am a Mortgage AdviserYou 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.0 -
I'm sure I told you I was born in Urmston and brought up in Eccles?But do they have to put up with a brummie accent if they dont get you?
Sometimes its worth paying the extra £750
They should feel privileged to get someone from the Republik of Mankunia.
I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Thats why i said do they have to put up with a brummie accent if they dont get you.
Pay £250 and you might get a manc but you might get stuck with a brummie. Or if your not around and a receptionist/administrator answers and theyre stuck with someone off the hotel advert allllroit cupcake! I hate that advert.I am a Mortgage AdviserYou 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.0 -
I'm it, mate.
They press "1" for new enquiry and they get me, or they press "3" and they get me as that's my extention.I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
I suppose that increases the odds of you avoiding the brummies then.I am a Mortgage AdviserYou 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.0
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Thanks for all the advice guys – much appreciated. Just had an additional question.
We've been talking with a broker who looks to have got us an AIP, however he seems to be struggling...
Although I have been a director for 2 years now, our business year runs from July-July. It appears that lenders will only consider 2 complete years (signed & submitted) accounts vs. 2 years worth of accounts. Is that correct?0 -
If they have an AIP they should be checking the criteria prior to applting for it, not after.
As has been said in the thread some lenders will accept 1 year. Which lender is the AIP with?I am a Mortgage AdviserYou 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.0
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