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you don't have to disclose your change of circumstances, right?
That's the thing, I've no idea. We were self-employed going in and even though we had a whopper of a deposit it was still a real ballache to get it agreed. Not sure if, as we're flagged self-employed on the system they'll default to 'well we better check you out'.
@chrisbmx116 Don't want to say 'nothing has changed' if they come back and ask for last 2 years earnings again later.
CYOA
This, just look for the best deal on the high street and get your bank to match it... Less hassle, less fees and you don't have to disclose your change of circumstances, right?