I'm self-employed software author and get paid, like a book-author for work completed then royslties on sales. I don't have an income as such and no 'wage slips' I get paid lump sums like #6K. Also am a part-time vet. surgeon for which get paid cash-in-hand which may not appear in bank a/c. I've been told by several lnders that 'casual income cannot be counted. I have a property worth a conservative 60K with a 35K mortgage. I want to release 10K via re-mortgage , but seem to come up against a brick wall when I can't proove income. I have no arrears or bad credit. I've been paying Bank of Ireland for 10++ years.

What is my best option, please

ROBERT

-- Robert Taylor (bule.marlin@virgin.net), October 26, 1999

Answers

**** miss-spelled e-addr to my post. It should be

blue.marlin@virgin.net

-- Robert Taylor (blue.marlin@virgin.net), October 26, 1999.

Robert, Have you looked into the Virgin One account, very flexible, and you should be able to get up to 80% of your property value without too much trouble. If you're at or below 75/80% of the property value you should be able to get a non-status mortgage, the Bank of Scotland has one that springs to mind. Good Luck.

-- Michael Culverhouse (michaelc@moose.co.uk), October 27, 1999.

I checked Virgin - they still want 3 years a/c if self employed and min of #50K

I think I've found (one) answer UCB homeloans The really flexible mortgage http://www.nationwide.co.uk/fserv/mortgage/Ucb/products/prodframe.htm

Anything adverse I should know?

I'll check Bank of Scotland

-- ROB TAYLOR (blue.marlin@virgin.net), October 27, 1999.

Hi Robert, I went through a company called Woodland Financial Services Tel: 01372 275000. I'm afraid I don't know their email address, but they arranged a mortgage for us and were so good that we passed all our insurance policies etc to them, and they have been brilliant. Have passed a couple of friends to them as well who have been treated in the same way (I don't get commissions in case you're wondering) I just believe if a company treats it's clients well they deserved to be recommended to others. Tell them we sent you.

By the way my son is at Dick Vet in Edinburgh as well.

Sandie & Alan

-- Sandie Carnochan+ (SandieC@marietrading.freeserve.co.uk), April 18, 2000.