Who am I?

[IR35 Avoider]

Is that because you have over 3 years accounts?

In 1989 I only had one years accounts - Halifax gave me a 3x mortgage for 100% of the purchase price. It was the middle of a boom when companies were very eager to lend though.

For my most recent re-mortgage, it was initially a bit difficult, they asked for two years accounts I think, but not all my contract income in that time had gone through my company, and I had only been working half the time, so had to write them a detailed explanation. Once they realised the mortgage was for only one third the value of the property, it suddenly became a lot less difficult and I got the impression that the letter they wanted from my accountant was just a formality.

[Lucifer Box]

In 1989 I only had one years accounts - Halifax gave me a 3x mortgage for 100% of the purchase price. It was the middle of a boom when companies were very eager to lend though.

For my most recent re-mortgage, it was initially a bit difficult, they asked for two years accounts I think, but not all my contract income in that time had gone through my company, and I had only been working half the time, so had to write them a detailed explanation. Once they realised the mortgage was for only one third the value of the property, it suddenly became a lot less difficult and I got the impression that the letter they wanted from my accountant was just a formality.

Mortgages are for permies anyway. If you can't buy your house with uncut diamonds you're not a real contractor

[Taxman]

Why are there contractors asking questions like this? If any contractor is under the misapprehension that he is self-employed (which would in fairness be understandable to a layman otherwise), he is being failed miserably by his accountant. Don't put up with it.

[boredsenseless]

I remortgaged through Halifax 12 months ago.

They initially asked for 2 years accounts, but as its a joint app they also asked for the wife's payslips.

At the end of the meeting I summarised you need the following

My wife's last 3 payslips
2 years of my companies accounts
... do you need to see my payslips?

When I said the last statement the need for the co accounts dropped since they don't care who pays you just so long as you get paid from a registered company.

Moral - pay yourself enough in salary at least 3 months before a mortgage application.