Any mortgage lenders that use 100% overtime

K_S

Deleted_User said:

Personally I would go back to the original broker and annoy them until you get a mortgage or a reason for why they cant help you. Paying them £500 to not even try find a new lender seems a bit much.    

@TweetyUK I'd recommend the same. It's just really poor value for money tbh.

TweetyUK

Deleted_User said:

There are plenty of lenders taking 100% of overtime.  Maybe they need 3 months payslips, maybe 6 months, in some cases they will average 2 years p60's to get an income but there are still plenty of options. 

We cant name individual lenders as we don't know your full circumstances but I can say that i have placed enough shared ownership cases recently with 100% overtime being used to know you have options out there.  

 Personally I would go back to the original broker and annoy them until you get a mortgage or a reason for why they cant help you.   Paying them £500 to not even try find a new lender seems a bit much.    

I'm in abit of a rush now tbh, I got the mortgage in principle at the end of November and got the decline decision at the beginning of this week. Solicitors are already on with the legal side and my house is ready in February. Would you be able to look into anything for me? Or am I being proper cheeky, but if you don't ask you don't get 😝 

MovingForwards

@TweetyUK the brokers cannot approach you however you are welcome to send them messages, it's how a lot of us have got our mortgages.

TweetyUK

MovingForwards said:

@TweetyUK the brokers cannot approach you however you are welcome to send them messages, it's how a lot of us have got our mortgages.

Hmmm I've messaged a couple of people on here today, but not sure if they're getting my messages 🤔 

theshoefairy

I don't mean to speak out of turn here so please don't take this the wrong way, I am sure you have done your research but I just wanted to put this out there about the problems with shared ownership. I only discovered about it when joining a group on Facebook. It's called National Leasehold Campaign. Please please read or post there about shared ownership before entering into this.