Dh and I have been wondering how to get a bit of extra mortgage to help with the London house hunt, but as I only started my architecture practice late last year and the property development we also do isn't through a company, my income counts for nothing. Does anyone have a suggestion for a salaried job I could do for long enough to use it as proof of income for a mortgage? (3months minimum.) Ideally working part time or from home, only needs to be enough to borrow £50k against..
Have you spoken to an IFA? I agree that it's much tougher borrowing money now, but in my experience a good IFA will be able to find lenders who look at your financial details/life in different ways to decide if you're a safe bet.
Regarding finding a short term job, do you have any contacts you could freelance for/work short term who may be happy helping you get your mortgage? When I applied for my first mortgage (okay it was a few years ago now!) I was working freelance in my first UK job and had only been there four months. But my (very nice) boss helped me with my application and told the mortgage company I was permanent. They contacted him before approving my loan and he again said that I was a permanent employee - and I got the mortgage.
I have wondered about asking my uncle (who has his own architecture practice) if I could do contract work for him but be described as permanent as you say.. Or one of my previous practices; the only issue is if I could do it from home as our son is only 4 months old, but if it's only drawing work then there's no reason not to..