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If you are employed, you should supply your last P60 and three months’ pay slips and bank statements into which your salary is paid.  The statements should have your name and address on.

If you are self-employed and a sole trader, your last two years’ tax calculations and overviews will be needed.  If you are a director of your own limited company, you will potentially need to provide your last three years’ full trading accounts as well as tax calculations and overviews.  A lender will also need your last three months’ business bank statements and may go back further.

If you are remortgaging, your most recent mortgage statement and account number.

If you are buying, proof of deposit and/or details of any sum being gifted to you.

We have many lenders who can assist in this situation, it is important to know if you are a sole trader, a lender is going to work off your ‘Net profit’ declared to HMRC as a basis for affordability. If you are a director of a Ltd Co, then we can use either salary and dividends or your share of company net profit and salary, whichever option gives you the affordability you require.

Yes we can assist with this, we source from a panel of nationwide solicitors who quote fixed fees, we also bundle FREE homebuyer protection into our quotes. We can help with Sale, purchase and remortgage solicitors as well as many other legal situations such as stand alone transfer of equity or independent legal advice, just ask for information.