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Hi, hope you are sorted now but if not happy to help.
As an ex mortgage Underwriter I can tell you for the s/emp lenders will want to see your net profit before tax, if its a ltd co then- your salary and dividends can be included to. However I guess the business is not at that stage as yet.
Lenders prefer to see at least 2 years accounts and take an average of net profit or latest if increasing. Reducing net profits are frowned upon and a good explanation would be needed at least. However it's all about the risk to the lender and the case made for positive decisions to lenders who still use "real" underwriters.
The lower the loan to value you need or healthy the accounts look (ie if you have a large deposit) the more positively the lenders look at you.
Self Cert is still out there but not at really high LTV's.
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