Any lenders that dont require p60?

SiWBristol

Hi all,
Bit of a long story, but are there any lenders that don't request a P60 and accept 3 months wage slips?
Advice most welcome.

ACG

Yes, but it would rise concerns as to why you are trying to avoid providing one.

Can you not provide one to whoever you have applied to and just explain why it is less than they would expect it to be?

NineDeuce

Yes. It's called the bank of Mum and Dad.

Ronaldo_Mconaldo

That doesn't look like a long story.

moatmeister

TSB only asked for payslips when I applied recently.

But they declined application at quote stage even though I have been with them (ex Chelt&Gloucs) for years!

Thrugelmir

Lenders can confirm salary details directly with the HMRC if they wish.

clairebeth

First Direct only require wage slips. I actually offered our P60s and she said she didn't need them.

_CC_

clairebeth wrote: »

First Direct only require wage slips. I actually offered our P60s and she said she didn't need them.

If they shows basic pay / salaried. If you get paid hourly or other arrangement then they'll likely ask for P60s and contract / letter from employer.

Mortgage_Adviser

Are any bonus, comission, overtimes being used for affordability assessment or is it a pure basic?

David_White

Sounds like you're attempting to do something wrong and want to identify a way of doing it.