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Today, 8.40 pm I think you can use last years (2025) but then it will depend on what income he was declaring then. There are lenders like Pepper, Bluestone Etc. will consider it as long as the piecies in the  jigsaw fit.
Today, 7.36 pm i did someone in an IVA with Bucks building society so they will be worth a try
Today, 3.53 pm 6 debt con loans - bloody hell they like spending on the never, never round those parts! Nice biz for you
Today, 3.39 pm I ended up getting mine through, but they have had to clear £3k worth of credit cards, as that will increase the loan amount by £12k.  I wont be in a rush to use them again. 
Today, 3.32 pm I am having a hell of a time with this one. CIS Contractor for last 4 years who has banded together with a couple others and they started their company in Jan this year. So no LTD accounts yet. But has a history in this line of business and 18 guys working under him. To top that off he is also ...
Today, 3.12 pm Flat out here in Sunny South Wales. Done 6 debt con secured loans (only option) Lots of FTB, a few home movers and Buy to let cap raising remo's on the up. All looking good. Lots of GI and Life. August looks busier already. Good luck all
Today, 2.40 pm Just had fun this. Supposedly will lend £185k actual after dip lend £122k. What on earth is the point in using them?    Same with their credit check system really. Oh yes its Tier 1 but if the score is too low, it will be tier 2. We won't tell you how we score it per tier...
Today, 12.27 pm Thankyou all, i think it was Natwest I approached last time actually, one of the replies reminded me
Today, 12.23 pm HSBC
Today, 11.10 am accord I've used many time on this    

Latest from the Provider/Adviser forums

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Today, 5.52 pm Hi all,   We're Curvestone, a London-based fintech building the AI workflow layer for regulated lending — automating the manual, siloed parts of compliance so teams get the speed, accuracy and auditability that's hard to achieve at scale. In plain terms: automated compliance che...
Today, 2.52 pm Specialist property finance brokerage Word On The Street has published its annual report for 2025-2026, revealing a record year in which the firm arranged more than £108 million in property finance across 239 completed cases. The results reflect twelve months in which the firm remained focused...
Today, 10.52 am United Trust Bank (UTB) Mortgages has announced a new package of Buy-to-Let criteria enhancements designed to provide greater flexibility for landlords and make it even easier for brokers to place and progress business. The latest changes, which took effect from 20 July, remove unnecessary barriers...
Today, 10.04 am MERA Investment Management has made a significant equity investment in Winslade Park, an 86-acre grey-to-green development in Exeter with a GDV of £100m. Following the completion of Clyst House in March 2026, the park has welcomed eight new companies, taking its occupier community to more than...
Today, 10.02 am Maria Harris, chair of the Open Property Data Association (OPDA): "Angela Rayner’s return to the housing brief should be welcomed across the sector. She has a strong understanding of the challenges facing the housing market, a genuine passion for housing policy, and had already begun building...
Today, 9.32 am We need to remember currently only about 8% of Estates pay Inheritance Tax - but this will jump from 6th April 2027.   I doubt IHT will be moved in the Estates favour with our new PM and Chancellor.
Today, 9.21 am Simon Dodd, Head of Products and Marketing at Dudley Building Society, said: “Another increase in inheritance tax receipts is a reminder of a trend that’s been building for several years. Frozen tax thresholds, alongside rising property prices and other asset values, mean more families ...
Today, 9.14 am Roma Finance has completed its largest loan to date, providing a £6 million facility to an experienced property investor in a deal involving a recently completed residential development and a wider buy-to-let portfolio. The transaction was delivered across two linked facilities. The first pro...
Today, 9.13 am Conveyancing distributor, conveybuddy, has today (21st July 2026) announced it donated £9,747 between its three charity partners as a result of broker activity across its platform during Q2. As part of its ongoing initiative to support vital causes across the UK, conveybuddy users can choose ...
Today, 9.10 am A £2.1m Bridge To Let facility from Aspen will ensure the successful refinance and completion of a complex mixed-use development in Doncaster, with a multi-strategy exit already planned. Completed in under two weeks, the Finish and Exit facility provided an initial day-one advance of £1....

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