I've had a lot of down time over the last 2 years, some planned, some unplanned.
I'm in the process of getting a mortgage & what I didn't realise is thst most lenders won't lend if you've had more that 6 months downtime in the past 2 years.
I'm right on the 6 months, literally, & if I have even 1 more week the advisor tells me that the application could be refused.
Just wondering if there are any alternative routes I could follow? I know I could go by my accounts but presumably they'll also show the hit from 6 months out of contract.
More a question about whether anyone else has been in thus situation really and how you handled it.
I'm in the process of getting a mortgage & what I didn't realise is thst most lenders won't lend if you've had more that 6 months downtime in the past 2 years.
I'm right on the 6 months, literally, & if I have even 1 more week the advisor tells me that the application could be refused.
Just wondering if there are any alternative routes I could follow? I know I could go by my accounts but presumably they'll also show the hit from 6 months out of contract.
More a question about whether anyone else has been in thus situation really and how you handled it.
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