Mortgage Question

[northernladuk]

Been a fair few years since I applied for a 'permie' mortgage - definitely used to be "here's my payslips". Looking briefly at Nationwide's site they seem to just be asking for a single payslip for permies. They do then go on to state later that limited company directors may be 'treat as self employed' so anyway.

Either way, I suspect transparency is the key here for now and will see what the broker and someone sensible direct at a bank (if that's possible) say

Not sure why aren't really listening. If you want to try direct at the banks you are gonna have to hunt around and hope you find a bank that is contractor friendly. Even if you have you are gonna have to find someone to speak to that actually has a clue and then on top of that your set up is unique. The contractor friendly banks go on a day rate and have rules around how many months to go on the contract and stuff. You having 6 clients is gonna make their hard spin. You also aren't a permie so fudging that isn't going to be easy. Getting found out and refused too many times isn't going to help your credit score.

But feel free to keep thrashing around. Keep us updated how you get on.