My current mortgage product is due to expire and therefore I would like to remortgage. However, my income is very erratic and therefore I cannot provide the usual income evidence.
The current mortgage rate I am paying is 4.99% and therefore I want a rate thats at least as good. This would rule out the usual self cert mortgages and it would appear that only the usual high st lenders offer rates below this eg Abbey are offering a 2 year tracker at 4.62%.
What is in my favour is that the LTV is only around 20%. Therefore as this is so low do any of the High Street lenders not require proof of income if the LTV is low and will simply rely on what you state in the application form.