I am in a bit of a sticky situation. I would like to re-mortgage from a btl to a personal repayment. Some three years ago, I took 18 months off to build my own house. During this period, I recorded no accounts. I am in construction and have my own business which is doing well now. I have just returned healthy profit for 11/12 but have no previous accounts for the previous two years. I want a joint mortgage with my partner. There is no doubt I can afford the repayments but I don't know of a mortgage provider who is willing to overlook the previous accounts issue. Can anyone steer me in the right direction?
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