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  • Quick q.

    Next time I renew my mortgage or whatever (end of fixed) I will be freelance. Earning more money but without 2 years of accounts to prove it.

    Some dickhead I spoke to on the phone said it would be a problem/wouldnt be able to get a new mortgage, despite having one for 5 years and never missing a payment. wtf?

    Anyone experienced similar? Any solutions?

  • Next time I renew my mortgage or whatever (end of fixed) I will be freelance. Earning more money but without 2 years of accounts to prove it. Some dickhead I spoke to on the phone said it would be a problem/wouldnt be able to get a new mortgage, despite having one for 5 years and never missing a payment. wtf?

    The 5 years that have gone before are irrelevant because you were employed and now you're going self employed(ish) and you might not do very well...

    This article takes a positive spin, but is a decent one to start with, then just Google onwards from there.

    http://www.corecogroup.co.uk/self-employed-contractors-and-the-mortgage-market-review/

    TLDR : High Street lenders will probably tell you to eff off, go and see an independent broker and find a friendly accountant.

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