Have just sold our house and looking to get a new mortgage. Myself and my partner make more than we need to secure the mortgage and we have a high value-to loan ratio i.e. we have about 50% of the cost of the house. Have no other loans etc. However, my partners company is based in the US and he is paid in Ireland through an umbrella company, he pays all taxes here. The company is a start-up, 1 year, that has recently secured large VC but to date the payments have been irregular e.g. every 1-3 months when funding came in.
We have been advised by our mortgage broker, who ran it unofficially by a bank or two, that any bank will not go for this, due to the irregularity of the salary payments to date. Is it worth going to our current bank and speaking frankly about this to the manager?
Any advice would be appreciated.
We have been advised by our mortgage broker, who ran it unofficially by a bank or two, that any bank will not go for this, due to the irregularity of the salary payments to date. Is it worth going to our current bank and speaking frankly about this to the manager?
Any advice would be appreciated.
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