I need a sub prime mortgage.
I have two defualts, hubby has settled IVA (9years ago) and a few mortgage late payments. Our current mortgage is 78K. we have equity of 30K but would like to keep some back for renovations on new house.
We are both self employed with last years income at 18K ish and this years at 35Kish.
We would like either 80K on a 80% LTV rate on property 1, or if not possible we would like £35K on 70%LTV or 30k on a 60% LTV on property 2.
We have been turned down by halifax, and accepted by precise for property 1, however they keep asking for proof of inside leg so we are thinking they might not give us the 80K, and we know they dont lend below 70K so property 2 is a no go with them.
Is anyone able to help us please, or able to recommend a IFA?
I have two defualts, hubby has settled IVA (9years ago) and a few mortgage late payments. Our current mortgage is 78K. we have equity of 30K but would like to keep some back for renovations on new house.
We are both self employed with last years income at 18K ish and this years at 35Kish.
We would like either 80K on a 80% LTV rate on property 1, or if not possible we would like £35K on 70%LTV or 30k on a 60% LTV on property 2.
We have been turned down by halifax, and accepted by precise for property 1, however they keep asking for proof of inside leg so we are thinking they might not give us the 80K, and we know they dont lend below 70K so property 2 is a no go with them.
Is anyone able to help us please, or able to recommend a IFA?