self employed morgages

[e-spark]

Hi, i have only been up and running 6 months but am looking to re mortgage early next year. as it stands dont have a set of books but healthy accounts so far.
anyone got any contacts used previously for similar?

thanks in advance Shane

 

[JBW175]

I think you’ll be best placed speaking to a mortgage adviser local to you. I’m pretty sure most lenders like to see 2 years worth of earnings.

 

[Dustydazzler]

Both myself and wife self deployed , bank wanted 4 years of accounts from both of us

 

[Gavin John Hyde]

in current climate banks are very careful with lending. That said if you go to the usual high street bank they will want between 1 and 4 years accounts depending on profession.
As mentioned your best bet is to speak to a mortgage advisor as they have access to 100s of mortgages that you and i would never get to see or hear about and usually have a point of contact rather than a computer to speak to and sort out the nitty gritty.

 

[Baddegg]

Be better off robbing the bank at the moment mate, as above 4 years books is standard on the high street....there are others but you’ll pay higher fees and rates normally