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RoyCropper
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« on: November 01, 2010, 05:24:07 PM » |
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Unfortunately I am going through a divorce and intend to buy my current marital
home off my wife.
There is plenty of equity in the property but my existing mortgage company wont accept
my form of income and it looks like self cert mortgages are dead in the water!
Any help in where to go and who to speak to about getting myself a mortgage would be much appreciated, thanks.
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tigger37
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« Reply #1 on: November 01, 2010, 08:09:02 PM » |
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My wife and I are full time betting traders. We originally got (and still have) a Self Cert but yes of course the rules will have changed for them.
Maybe worth a try though - BIRMINGHAM AND MIDSHIRES (Part of Halifax), good luck
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CHIPPYMAN
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« Reply #2 on: November 01, 2010, 09:47:54 PM » |
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hi there,
i think some banks still do self cert but with conditions u have money transactions going in2 ur personal bank account.
derbyshire home loan do them but very high interest rates!!!
so good luck
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ACE2M
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« Reply #3 on: November 01, 2010, 10:01:23 PM » |
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i recall ben grundys dad specialised in mortgages for poker players, message him on his blog. milkybarkid.
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SuuPRlim
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« Reply #4 on: November 02, 2010, 04:40:49 AM » |
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I know someone in this exact spot and he just lied lol.
Not saying you should do that though, thats pretty naughty.....
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sovietsong
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« Reply #5 on: November 02, 2010, 06:52:31 AM » |
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I know someone in this exact spot and he just lied lol.
Not saying you should do that though, thats pretty naughty.....
Most highstreet lenders will want lots of proof of income. Not sure what the sub prime people want tho |
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In the category of Funniest Poster I nominate sovietsong. - mantis 21/12/2012
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sovietsong
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« Reply #6 on: November 02, 2010, 06:55:41 AM » |
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Btw if you want to get an independent financial advisor on your side buy lots of protection, life cover/critical illness cover etc. It's what he gets paid most commission on. He will only get the sale if the mortgage is approved. Let him do the lying!
Simples!
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In the category of Funniest Poster I nominate sovietsong. - mantis 21/12/2012
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Skgv
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« Reply #7 on: November 02, 2010, 09:20:50 AM » |
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Unfortunately I am going through a divorce and intend to buy my current marital
home off my wife.
There is plenty of equity in the property but my existing mortgage company wont accept
my form of income and it looks like self cert mortgages are dead in the water!
Any help in where to go and who to speak to about getting myself a mortgage would be much appreciated, thanks.
Nick Whitten of DTD has a good friend who specializes in this area an is highly recommended but i would imagine you will need to inject at least 25% cash into it to get it approved,i recently nearly bought a house an was approved by mortage lender but had to put down 40% cash down to get it approved as i told them what my main source of income was. Hope that helps ? |
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SuuPRlim
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« Reply #8 on: November 03, 2010, 02:50:11 AM » |
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Unfortunately I am going through a divorce and intend to buy my current marital
home off my wife.
There is plenty of equity in the property but my existing mortgage company wont accept
my form of income and it looks like self cert mortgages are dead in the water!
Any help in where to go and who to speak to about getting myself a mortgage would be much appreciated, thanks.
Nick Whitten of DTD has a good friend who specializes in this area an is highly recommended but i would imagine you will need to inject at least 25% cash into it to get it approved,i recently nearly bought a house an was approved by mortage lender but had to put down 40% cash down to get it approved as i told them what my main source of income was. Hope that helps ? Should have said you're a pro Bocce player, they'd have snap lent you the moneys then |
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Girgy85
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« Reply #9 on: November 03, 2010, 03:19:07 AM » |
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What are the chances of someone that has been self employed for only 3 months getting a mortgage?
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Best poster Girgy IMO - Mantis
Girgy is my new hero! - Evilpie
Think Girgy has shown the best leopard instincts in this thread and would prob survive best in the wild. Eye of the tiger that fella - Mantis
Girgy is a m'fkn machine - Daveshoelace
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SuuPRlim
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« Reply #10 on: November 03, 2010, 03:28:35 AM » |
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What are the chances of someone that has been self employed for only 3 months getting a mortgage?
If we used a scale of 1-15. Id say about 1.00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000001 on a gd day |
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action man
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« Reply #11 on: November 03, 2010, 03:29:23 AM » |
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What are the chances of someone that has been self employed for only 3 months getting a mortgage?
are u self employed now girgy? |
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StuartHopkin
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« Reply #12 on: November 03, 2010, 08:44:45 AM » |
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What are the chances of someone that has been self employed for only 3 months getting a mortgage?
They might let you in the mortgage shop if you have a 30% deposit in your hand. |
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Girgy85
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« Reply #13 on: November 03, 2010, 10:22:16 AM » |
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Yea I'm self employed now!
What about if I had 2 years of accounts and a 10% deposit?
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Best poster Girgy IMO - Mantis
Girgy is my new hero! - Evilpie
Think Girgy has shown the best leopard instincts in this thread and would prob survive best in the wild. Eye of the tiger that fella - Mantis
Girgy is a m'fkn machine - Daveshoelace
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LeedsRhodesy
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« Reply #14 on: November 03, 2010, 10:28:47 AM » |
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Yea I'm self employed now!
What about if I had 2 years of accounts and a 10% deposit?
My best mates self employed and the min he had to put Down was 30% |
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