Originally posted by Lance
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Last edited by northernladuk; 20 February 2021, 00:09.'CUK forum personality of 2011 - Winner - Yes really!!!! -
Originally posted by cannon999 View PostI was refused a 10% deposit because I am not registered on the electoral poll.. literally the only reason - otherwise my credit score was 983Comment
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Mortgage approved. Whole process from asking for a 2nd mortgage to being made an offer including review of all documents and house being revalued took two weeks.
So it appears those asking for a stamp duty extention are being held up else where in the process. Probably solicitors as they have always taken ages even before COVID!Make Mercia Great Again!Comment
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Originally posted by BlueSharp View PostMortgage approved. Whole process from asking for a 2nd mortgage to being made an offer including review of all documents and house being revalued took two weeks.
So it appears those asking for a stamp duty extention are being held up else where in the process. Probably solicitors as they have always taken ages even before COVID!Comment
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Talking of electoral registers, I've noticed that on soft searches I come up as not being registered when I have been for 4+ years. I can only imagine it's because I opted out of being on the public register. I would hope a proper search would correctly pick up that information.Comment
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Making the switch to Perm in April after 12 years contracting and was looking at additional borrowing to fund extension but existing deal was via Freelancer Financials - looking at my existing lender (2 years into a 5 year fixed rate), for income proof for an employed applicant they only need 1 month pay slip - been a long time since I've applied as an "employee" - I always thought it was 3 months payslips? Or is 3 months of bank statements?
Nothing of particular note at my current lenders help page:
https://www.clydesdalebankintermedia.../how-to-apply/
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Originally posted by northernladuk View Post
All companies frown on loans for deposits. Even if its from the entity they're are dealing with for LTV calculation lol
Looks like I might have to commit fraud and tell them it's a dividend when it's really a loan. Not that they'll care as long as they get the repayments.See You Next TuesdayComment
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Originally posted by DelboyTrotter View PostMaking the switch to Perm in April after 12 years contracting and was looking at additional borrowing to fund extension but existing deal was via Freelancer Financials - looking at my existing lender (2 years into a 5 year fixed rate), for income proof for an employed applicant they only need 1 month pay slip - been a long time since I've applied as an "employee" - I always thought it was 3 months payslips? Or is 3 months of bank statements?
Nothing of particular note at my current lenders help page:
https://www.clydesdalebankintermedia.../how-to-apply/Comment
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Originally posted by ladymuck View Post
You're not perm yet, can you not get the extra using your current status?
Last time this was the ask:
· Copies of your previous 12 months and current contracts (signed by both parties with the T&C’s)
· Copies of both applicants previous 3 months business & personal bank statements
· If any background BTL’s – signed copy of the tenancy agreement s and proof of 3 months rental (previous 3 months bank statements)
· Copies of your previous 3 months payslips and latest years P60 (only if any applicant is employed)
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