Can I get a mortgage with 1 years accounts?

Being self employed makes getting a mortgage a little more complex. Where as with employed applicants we usually just need to provide 3 months payslips that is not the case with self employed applicants. Why

1 years accounts success story

We have a customer who asked us obtain a mortgage for him. We have known the customer a few years and so were comfortable we could help him as he had been self employed for

A little update on the mortgage market

Its been an interesting couple of months in our industry. Although interesting does not really translate to good. The good So for us at least, the overwhelming positive is that the housing market has been

A few late payments

These types of applications are always interesting. On the one hand you have clear issues that are affecting an application from being accepted. On the other hand, they are “just” a few late payments and

Defaults application success story

I thought this would make a great little example of what we can do. On the face of it it does not differ from a lot of our success stories. However it is the little

Secret to a good Mortgage application

Are we all ready for some cheese? The secret to a good mortgage application is like your home… It is all in the foundations. If the foundations are right, then everything “should” go smoothly. What

One of the applicants letting the side down…

Just to start, this really is not a case of placing the blame. I just thought it would be a good title. We are very big on not placing blame for adverse on either applicant,

What is Manual underwriting?

Already this month we have done a couple of applications with manual underwriting. I thought it would be a good idea to explain this in a little more detail. I think the easiest way to

Mortgages in March – Part 2!

I made a post earlier in the month about previous predictions and updates in the market. A lot has happened since then which was only 11 days ago! This morning we were on a conference