[Handyman Window Cleaning Services]

i just got a morgage with 4 years of records.

my 4th year is 50% better than year 3 so some banks would only go by year 3 cos they thought year 4 was a blip.

the BS i have mortgage with went by years 4.

you usualy do need a lot to put down for a deposite.
 
you usually need an accountant for help. if you have a van on lease and its affecting your credit rating get your accountant to verify your profits are found after the van is paid for. that way they can see that the van lease on you credit rating counts for nothing. doing this added loads on to what i was allowed.

i found it difficult to get as im the only earner in the house, as the misses is ill, but luckilly she had big load of inerrintence

[Tom White]

i just got a morgage with 4 years of records.

my 4th year is 50% better than year 3 so some banks would only go by year 3 cos they thought year 4 was a blip.

the BS i have mortgage with went by years 4.

you usualy do need a lot to put down for a deposite.
 
you usually need an accountant for help. if you have a van on lease and its affecting your credit rating get your accountant to verify your profits are found after the van is paid for. that way they can see that the van lease on you credit rating counts for nothing. doing this added loads on to what i was allowed.

i found it difficult to get as im the only earner in the house, as the misses is ill, but luckilly she had big load of inerrintence

Back in the 'olden days', if you had a big deposit, you just told the mortgage provider how much you earnt and they took your word for it. 

Why?

Because there'd be enough equity in the house from your big deposit to repossess the house and it would cover all their hefty costs.

It seems things are different these days!

[DMG Window Cleaning]

The banks wont do self certification mortgages since 2006...

This means you need 3 years accounts or 2 years a 1 year projected accounts.

Most mortgages you can get with a 10% deposit but the most mortgage products are for those with a 15-25% deposit. If you can find them there are a few 5% deposits without a higher lending charge attached.

You shouldnt be paying more than 4-5% interest above base rate so make sure you shop around for a good deal.

Make sure you also check clauses to contracts as many now have a penalty fee attached if you sell the property within 3 years


Good Luck
Danny

this is untrue i got my self cert 2 years in april with halifax, all thoough idont think there  are any on the market now.

Your right it was 2008 when they were stopped.

Ryan if your a first time buyer and want to put down 5% deposit email me
dmgwindowcleaning@live.co.uk

I know of a few deals that might interest you

Danny