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#1 11-11-05 22:05:25

hampshirebabe
Verified Member
Registered: 27-06-04
Posts: 82

money question

Can anyone tell me what records are needed when a self employed driving instructor applies for a motgage. when I was employed it was 3 months bank statements and wage slips. would they want to see my finacial (tax) accounts? I often pay for my petrol and shopping in cash, so my bank account doesn't always show how much I actualy make.

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11-11-05 22:05:25

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Re: money question



#2 11-11-05 22:07:05

sparkle
Guest

Re: money question

When i applied for the mortgage this year they didnt wanna see a thing :shock:  maybe becasue i been with them for 3 years already...but they 'took my word for it'..this was Halifax.


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#3 11-11-05 22:12:05

Orcharddrive
Verified Member
From: Wisbech Cambridgeshire
Registered: 05-02-05
Posts: 318
Website

Re: money question

If you go for a self-certificated mortgage they don't need any proof. I got my mortgage from someone who advertises in Driving Instructor newspaper (DIA). The actual lender was Bank of Scotland and it was a special deal for driving instructors. Shop around for a self-cert.


Visit www.instructor.org.uk for free help and training guides on becoming a driving instructor.

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#4 11-11-05 23:29:04

Approved Instructor
Verified Member
From: Blackburn, Preston, Lancashire
Registered: 16-03-04
Posts: 884
Website

Re: money question

When i went for one, they asked for 2 years of accounts.

however i was in a fortunate position of having a good deposit, i think thats why i got away with it?

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#5 13-11-05 21:16:28

pj
Verified Member
From: surrey
Registered: 27-02-05
Posts: 1,794

Re: money question

Used to be a mortgage advisor so if things haven't changed too much if you have 15% or 20% deposit you didn't have to show proof of earnings, god it amazing how quick you forget things, my advice would be to use a mortgage broker who gets their commission from the lender and not you and let them do all the leg work for you, they will bite your hand off for your buisness.


PJ Dip DI

if you always do what you've always done, you'll always get what you've always got.

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#6 14-11-05 08:16:01

Ozzie
Guest

Re: money question

I had to show 3 years of certified accounts, and 6 months of business accounts. As I am self=employed and the breadwinner, I was shunned by several building societies, but got a great service from Virgin One Account.

Oz


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#7 16-11-05 00:57:41

bandb666
Verified Member
From: Nottingham
Registered: 10-03-05
Posts: 159

Re: money question

3 years certified accounts to get best deals, but can get mortgage with less


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