“
There are lenders which will still hit affordability with the cost of debt which is being repaid, so a broker would help you with avoidable errors like picking one of those.
As far as your increased income is concerned, there are lenders who will work from a letter or latest payslip. You accidentally fell on VM which has a requirement for latest two months' payslips.
Again, a broker will avoid such lenders.
Originally posted by kingstreet
”
Thank you. Typical that I only looked on VM. I think a broker is probably the best option, like you say, to avoid the ones that wont' go in my favour.
“
Human nature being what it is. Lenders like to see people proactively addressing the issue themselves. Rather than simply expecting an easy way out.
Originally posted by Thrugelmir
”
I'm not looking for an "easy way out". I didn't really want to post the reason for the debt, but I have not been spending willy nilly expecting to just be able to get out of it. I took some time off work after struggling with a particularly stressful job. I decided after a work friend was sectioned, I should be proactive and take myself away from that situation and workplace. It took me several months to feel anywhere near normal and ready to cope again. Being relatively newly single meant I had no help to get me through that and no time to prepare for the time off.