We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Santander self employed
Katemb94
Posts: 54 Forumite
Hey
Just after a little bit of advice from someone who is going through or is going through same process as us.
Application put in with santander a few days ago im employed on maternity leave and my other half limited company for 3 years but latest year earnings doubled due to work and less expenses. We have provided an accountant certificate I've provided my payslips. We sold our our in June and its taken us this long to get this far due to my other half being limited company and waiting to file accounts etc we have reserved a new build through help to buy and are looking for 70% LTV. I've seen santander turnaround for self employed has been a long wait has anyone else been in similar situation and had to provide further evidence of limited company apart from accountant certificate? I'm sooo anxious as everything is riding on this for us as our new build developer won't wait forever and neither will our buyer. Our mortgage advisors has been nothing but outstanding but always nice to hear stories of those going through as applicants like us I feel this house move has consumed every aspect of our lives since June! We both have excellent credit on experian although I do have some debt in loans but all given to broker.
Thansk in advance
Just after a little bit of advice from someone who is going through or is going through same process as us.
Application put in with santander a few days ago im employed on maternity leave and my other half limited company for 3 years but latest year earnings doubled due to work and less expenses. We have provided an accountant certificate I've provided my payslips. We sold our our in June and its taken us this long to get this far due to my other half being limited company and waiting to file accounts etc we have reserved a new build through help to buy and are looking for 70% LTV. I've seen santander turnaround for self employed has been a long wait has anyone else been in similar situation and had to provide further evidence of limited company apart from accountant certificate? I'm sooo anxious as everything is riding on this for us as our new build developer won't wait forever and neither will our buyer. Our mortgage advisors has been nothing but outstanding but always nice to hear stories of those going through as applicants like us I feel this house move has consumed every aspect of our lives since June! We both have excellent credit on experian although I do have some debt in loans but all given to broker.
Thansk in advance
0
Comments
-
Relax! Assuming you've told the "outstanding" broker all of this, it is their job to pick the lender that is OK with your situation and sort it all out- that's why you used them.
1 -
Hi, pop on over to the ‘Santander Mortgage timeline’ thread! There’s loads of us on there.2
-
SANTANDER : ELIGIBILITY - BOUNCE BACK LOAN
Just contacted Santander by phone and they said you "DO" need a business account and they are not opening these at the moment.They said they "DO NOT" offer loan feeder accounts.
0 -
Just an update for anyone in similar situation
Full mortgage offered yesterday with no extra information requested.
0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards