Purchasing a property can be one of the most stressful situations you encounter. The mortgage side doesn’t have to be.

Depending on your situation and trading status, the banks or lenders will usually require different forms of income verification. Typically you will be able to borrow 3-5 times your annual income if you can satisfy your lending criteria.

For employees you will typically need to provide:

  • 3 months’ payslips
  • 3-6 months bank statements
  • 10% deposit

For self-employed or anyone holding more than a 25% stake in a limited company, the process is slightly different. You will typically need to provide:

  • 2 years tax returns
  • 2 years accompanying tax overviews
  • 3-6 months bank statements
  • 10% deposit

MJ Kane work with you to ensure you get the best deal possible on your mortgage. From preparation of your tax returns to helping secure your mortgage. Our team can also advise you on what your best options are. Contact us today and let us help you.

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