Every Little Interests The Elite

vanilla_twist

Evening all

Does anyone know anything about mortgages for the self employed. I need pointing in right direction.

Son is after about 40% LTV but only gets first year accounts next month. He was also working on the books until feb but also company director. Affordability is no problem at all. He had thought about getting his step mum to get the mortgage but I pointed out this would count as a second property for her so the dreaded 3% stamp duty. Our other though was a guarantor.
I was wondering if being a company director gives him employed ' status? That would mean just showing he has changed jobs.
The company pay his tax and in so to my understanding he could be termed employed.

Will go over to housing board tomorrow but wanted to ask here first.
Tia

V x

silvercar

vanilla_twist wrote: »

Evening all

Does anyone know anything about mortgages for the self employed. I need pointing in right direction.

Son is after about 40% LTV but only gets first year accounts next month. He was also working on the books until feb but also company director. Affordability is no problem at all. He had thought about getting his step mum to get the mortgage but I pointed out this would count as a second property for her so the dreaded 3% stamp duty. Our other though was a guarantor.
I was wondering if being a company director gives him employed ' status? That would mean just showing he has changed jobs.
The company pay his tax and in so to my understanding he could be termed employed.

Will go over to housing board tomorrow but wanted to ask here first.
Tia

V x

Go to the mortgage board rather than the housing board.

He probably needs to use a broker, who will know which lenders will look favourably on it.

Anon

In Little A tonight the A Beef Noodles were RTC 13p . Not 10p noodles but they are rare now .

Hth

Anon

Savvybuyer

Sad_Dad wrote: »

Here's a TvM shop from today, paid £22.65, BG was £2.61, would have been more but for the eggs, I thought these would be N/a, oh well.


comparable total £12.21 £18.21 £18.21
Competitor shop total £11.01 £17.65 £15.60
The difference £1.20 £0.56 £2.61
cost less cost less cost less

Er, no:(. Other own label eggs have also gone up in price in M - just to let people know - this has already happened including the higher priced ones to which A's Mixed Weight (6) ones seem to be linked up. So I would not be comparing eggs against M on the APG. On TBG, own label eggs however should not have compared:mad:.

In fact, if those are T's own eggs that you bought and if there's no glitch on the shop, then I'd complain about that - it looks like they've compared your own label eggs against the 'winning' competitor. This therefore means that your branded shop has not been matched - because they've deducted some off (from your deduction - in other words deducted less off your shop than they should have done) by comparing against an excluded own label item that should not count in a branded shop. As a result, if that's own label (that should have been compared), you have paid more on your branded shop.

Tinyshoes

Anon wrote: »

In Little A tonight the A Beef Noodles were RTC 13p . Not 10p noodles but they are rare now .

Hth

Anon

Oh have the SP noodles been 10p for a while now. Both in little and big A the beef ones were 13p. :cool:

Tinyshoes wrote: »

Was just about to say this too. There was also lots of noodles, rice and snack pot type things and some of the tinned pastas. It was all in the same aisle at mine. Threw me a bit as I used to add some smart price noodles as fillers but the chicken ones were 10p in one store and the curry 10p in the other. The normal own brand beef noodles were 13p in both. A lot of the dried Good for you pots were RTC, with cous cous, bulghur wheat etc.

Also Cadbury Animals or Dinos 6 pack were 50p each. :EasterBun

fairclaire

Tinyshoes wrote: »

Must admit for once I was glad my name was on a list on here...

Hope all is well with you Frequent.

my name wasn't on it because I was here but didn't pay attention and have no interest in ale. Great find though Izzey.

I've long since thought that far too many people pay far too much attention to the thanks button/thanks given and what it means. Some people blindly thank every post as a marker of what they've read, some people won't thank a certain persons posts no matter how useful it is out of some contempt for that person. Really, it isn't a measure of anything at all other than who likes who.

I do think it's polite to thank a post or poster that you've benefitted from financially. I'm sure that's why it was put here in the first place. on this thread however, it's used as a popularity contest and that goes horribly wrong sometimes.

I'd be just as happy if the thanks button was removed. And I know it's easy to get hung up on small stuff but if an entity on a website hitting a thanks button is all you have to worry about.......can I swap with you? :rotfl::rotfl:

Savvybuyer

Looks like T have compared against this (they shouldn't even be picking up own label items:mad:):

Morrisons Free Range Large Eggs (6)




£1.27 21.2p / Egg

• 
  89p
• 
  89p
• 
  £1.00
• 
  £1.25
• 
  £1.25 **
• 
  £1.25 **
• 
  ---

So, it seems:

Your branded shop has not been matched at all. You've paid more on the brands in your shop. The price of the brands at M has not been matched. Their Brand Guarantee has failed to guarantee what it says it does.

They say "You'll never pay more" - nowhere, as far as I am aware, do they add "...unless one of the items in your basket isn't identified as a T own label item and compares against a higher price on a competitor's own label item when it should not".

pattylabelle

fairclaire wrote: »

I do think it's polite to thank a post or poster that you've benefitted from financially. I'm sure that's why it was put here in the first place. on this thread however, it's used as a popularity contest and that goes horribly wrong sometimes.

I always thank your posts FC when I am on here cos they make me laugh. We have great need of your DS in Belfast and in Dublin - job is open for a pothole counter - in fact they are more like sinkholes than potholes

Anon

Tinyshoes wrote: »

Oh have the SP noodles been 10p for a while now. Both in little and big A the beef ones were 13p. :cool:

Our last 10p noodles around here were earlier this year in Jack F - 10 for £1 in the January sale .

Anon

fairclaire

Northerngeezer....how you doing?

Yes I looked at my thanks button to find you :rotfl::rotfl: you've got to laugh