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Lending based on the latest years figures has also improved in price as more lenders are entering this area.   Several mortgage lenders now lend based on the last years accounts rather than the average of the last 2 or 3 years income figures.   The key to this policy is having accounts or tax…

The last commentary I made with reference to those self employed with one years accounts was that mortgage lending was capped at 75% LTV (Loan to Value), I have now successfully mortgaged several clients at 90% LTV for purchase transactions.  The number of lenders able to do this is still very restricted but lets hope…

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