my daughter & her partner are trying to get a mortgage for their first flat together. He works freelance, in the film industry, and has done for over three years continuously. He has payslips for the whole period - lots of them, as jobs can be for as little as a week sometimes.
They have tried using a mortgage advisor who has been unable to find then anything so far. As he has a big pile of payslips lenders are unwilling to sift through them all, and one has asked to see P60's. However, when he received these they were wildly inaccurate, showing, for example, an income of £1000 in one year when it should have been considerably more than that. His payslips are PAYE & show income & tax etc paid. This I find hugely concerning as this is causing big mortgage problems, and also where is all his tax going? HMRC have said there is nothing they can do to help.
So, does anyone have any experience of this, the P60 problem, or freelance mortgages in general? Thanks
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Mortgage for freelancer?
6 replies
Sahara123 · 01/04/2017 22:54
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