Reply to: Mortgage

[Bagpuss]

Do not under any circumstances use the Britania Building society, a worse bunch of incompetent chuntes you will be hard pressed to find

[boredsenseless]

But if you are PAYE for your company then you can make your own payslips up.....no need for celfcert then......

Agreed in principle with the above. However, its a bit late in the financial year for this trick since the payslips have an item called gross to date, and its pretty easy to see that you've been paying yourself £500 a month for 6 months and then for the last three given yourself £5000.

If you want to play this one do it for a mortgage you apply for in June or July and pay yourself a decent (or maybe even a descent )wedge from April.

Don't even think about faking the payslips as they ask to see statements from the account your salary is paid into as well.

If you bank personally with the same bank as your business account, I thnk you'll find them more accomodating as well.

[Darren@UptonAccountants]

Mortgages

We tend to use a firm called www.brighambrining.co.uk, the mortgage contact is Julie Marsden on julie.marsden@bb-co.net.

Before anyone asks, unlike other accountants we don't receive any commission from these guys, they receive referrals on merit rather than by how much they can line my pockets!!

[milanbenes]

"but they seemed v. expensive and they wanted a £75 upfront 'application' fee ",

how dare they !!

perhaps to cover themselves and the time they take to create an offering against potential tyre kicking dreamer customers

experience has taught that perhaps the company charging for their time is the one to go to as they will use their time to find the best prodcut for you

as opposed to the company which doesn't charge for their time and chooses the best product for themselves (commission)


we live and learn in life

Milan.

[NoddY]

Deceit more like

[~Craig~]

haha yes very good I should really preview before posting. Ironically when writting descent I often write decent instead

I blame spell checkers............................

[SupremeSpod]

Just pay yourself a descent amount for three months and 'bobs yer uncle'

Oh, I get it, you meant decent. FFS, this place is populated by retards!

[~Craig~]

Just pay yourself a descent amount for three months and 'bobs yer uncle'

real contractor please..............having said that I have used www.alexanderhall.co.uk selfcert to finance 1 or two investment properties. Then I have gone direct to Bank of Scotland, Mortgage Express and Birmingham Midshires..........all do celf cert.


But if you are PAYE for your company then you can make your own payslips up.....no need for celfcert then......

[n5gooner]

Contractors should only pay with crisp 50s in brown paper bags.

real contractor please..............having said that I have used www.alexanderhall.co.uk selfcert to finance 1 or two investment properties. Then I have gone direct to Bank of Scotland, Mortgage Express and Birmingham Midshires..........all do celf cert.


But if you are PAYE for your company then you can make your own payslips up.....no need for celfcert then......

[mcquiggd]

I went through www.moneyextra.co.uk ... I had only been contracting 3 months but landed a 6 monther... had full access to the(n) Abbey Nationals range of products as they listed 'IT' as a preferred occupation (admittedly this was 2000). Id try MoneyExtra - they dont charge you directly but take a cut from the provider - so they might indirectly cost you through the fees the provider will charge. I found them to be very good. After about a year I switched to the One Account and had no problems...

Good luck, and check out sites like the www.motleyfool.co.uk etc and get some free advice. Cant hurt.

[planetit]

What about these guys, I haven't had a mortgage through them but have spoke to them and was quite impressed.

http://www.contractormoney.com/

I used these people a few years ago. Very good.

[sasguru]

Contractors should only pay with crisp 50s in brown paper bags.

[swamp]

Halifax? It looked good to me.

Halifax have 'IT Contractor' listed as an occupation on their online Mortgage Promise. But when I phoned they said they need two years on their books.

[Francko]

Can anyone recommend a mortgage provider?

I'm a first time buyer with < 2 years on the books as self employed.

Note: I've tried Contractor Mortgages, but they seemed v. expensive and they wanted a £75 upfront 'application' fee

Halifax? It looked good to me.

[Bovvered]

What about these guys, I haven't had a mortgage through them but have spoke to them and was quite impressed.

http://www.contractormoney.com/

There is no reason for anyone to charge you anything. Any form of FA will always receive some sort of cut from the provider.