SJD (Manchester) Service Going Down The Pan?

[Alan @ BroomeAffinity]

So if your money is in the business more than paid out, they can't help?

Pretty much. They'll lend based on withdrawals from the business. Thinking of accounts refs I've completed recently many lenders are only interested in what's taken out. Santander don't even ask about turnover or profits, just salary and divis - I think.

[LondonManc]

So if your money is in the business more than paid out, they can't help?

Correct. But they don't know your cost base/money that you need to retain versus what you consider your warchest. HSBC seem keen on your warchest being in a personal account rather than a business account.

[JB3000]

Many lenders are now accepting Sa302 forms as proof of income but of course they only show what comes out of the business as opposed to in. HBOS, I understand, now ask for SA302"s as default rather than accounts.

Barclays require signed accounts.

Do you do them? And if so, how much do you charge (one man band ltd on free agent)?

[ceebeepps]

Hemel Hempstead office is also not doing well. new accountant every 6 -12 months and my last one left a month ago and no replacement so far.

Antonio by any chance?

[d000hg]

SA302 seems like a step forward to me, although when we were last looking our IFA juggled accounts, SA302 and other things for each lender to put things in the best light. Made me feel it was a service worth using

[noddy2]

Antonio by any chance?

Snap! Which was a real shame, as Antonio was great.
I'm also looking for a new accountancy.

[ceebeepps]

Snap! Which was a real shame, as Antonio was great.
I'm also looking for a new accountancy.

Sadly i got notice of him leaving right on my year end so too little time to move this FY. I know where he has gone if that would help....?

[Eirikur]

Antonio by any chance?

Yep

[noddy2]

Sadly i got notice of him leaving right on my year end so too little time to move this FY. I know where he has gone if that would help....?

It would please - I was on holiday when he left so didn't even have chance to wish him well and ask where he was going thanks!