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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 returns (SA302’s) which show income increasing year on year for up to the last 3 years.


If this is not the case, it may be better if we lend based on the average of the last 2 years or last 3 years figures, whichever gives the highest income overall.

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Austin Degge


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