Originally Posted by
rabmc
Sort of a simalar situation to me. had my own business and to get our house i had to self cert so but down 11k. just before recession hit around 2 years ago roughly. now we went on too a tracker and in the recession we saved around 280 per month on the tracker rate coming down etc.
now the 2 years are up around now as we were tied in for 2 years in that deal.
They have put us on another rate but its only £23 more per month, now I stopped working for my self and have a full time job now but as ive just started will i need to be in for a certain amount of time/wage slips to apply for another "better" mortgage???
sorry to hijack but any help appreciated. as im just sticking with them at the moment
IME different companies vary on their criteria for how long you have to have been earning before they will count it, a years certainly will get you access to pretty much all lenders though, but if its a permenant job its often quicker, for things like IT contracting though, hardly anyone would lend to me before I had a years accounts when I tried, so it depends a bit on what sort of job it is.