Mortgage with time off between contracts

[Lance]

Nationwide look at a rolling 12 month period during which you can have up to 3 months out of contract.

COOP look at 2 years of accounts. Although I was already with the COOP and have £200k in equity.
Most IFAs won;t be able to offer the COOP so give them a ring.
Nationwide are also good with higher risk mortgages (first time buyer and I'm assuming no more than 10% deposit).
Deposit is the key to unlocking the deals though.

[Sheens83]

COOP look at 2 years of accounts. Although I was already with the COOP and have £200k in equity.
Most IFAs won;t be able to offer the COOP so give them a ring.
Nationwide are also good with higher risk mortgages (first time buyer and I'm assuming no more than 10% deposit).
Deposit is the key to unlocking the deals though.

Thanks for this! I will be approaching Natwest & HSBC directly as they do not use brokers so need to work directly with them. I will add Nationwide to the list

[northernladuk]

Aren't all these applications going to crash your credit score or are you getting refused before they get that far?

[Sheens83]

Aren't all these applications going to crash your credit score or are you getting refused before they get that far?

I'm getting refused even before I get that far. Some brokers actually phoned up the underwriters so see whether it's worth processing the application which is great on my behalf. Can't fault the brokers I've been working with so far