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Andrew Saunders at https://www.freelancerfinancials.uk.com/contact-us/ < very helpful, no hoops to jump through compared with some brokers
rive_gauche
Thanks both... I will go to an advisor, current mortgage is with Halifax, so will speak to them as well. I'm happy to wait a year, my wife not so much.
Average of last three years wouldn't be too bad as it will be something like 100k, 100k, 500k, so probably would be OK...