time to plan
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We are coming to the end of my 5 year fixed rate with BoI in December, and will wait until the end for our 5 year cashback.
I am also approaching the point where I will have two years of company accounts as a proprietary director. From what I can see, the main mortgage providers look for 2 years' company accounts, except AIB, which look for 3 years.
My preference would be AIB or Avant for remortgaging, looking at their combinations of fixed rates and overpayment facilities. My questions are:
1. Has anyone had any luck with getting AIB to be flexible on 3 years' accounts (my company has its accounts with AIB)?
2. Has anyone any experience - positive or negative - of getting a mortgage from Avant with 2 years' company accounts?
3. Does it complicate matters if I have a business partner (not a spouse) who owns 50% of company, rather than my being the sole director.
For context, the mortgage will be for €230k, 1.5 x my income, 40% LTV.
Thanks
I am also approaching the point where I will have two years of company accounts as a proprietary director. From what I can see, the main mortgage providers look for 2 years' company accounts, except AIB, which look for 3 years.
My preference would be AIB or Avant for remortgaging, looking at their combinations of fixed rates and overpayment facilities. My questions are:
1. Has anyone had any luck with getting AIB to be flexible on 3 years' accounts (my company has its accounts with AIB)?
2. Has anyone any experience - positive or negative - of getting a mortgage from Avant with 2 years' company accounts?
3. Does it complicate matters if I have a business partner (not a spouse) who owns 50% of company, rather than my being the sole director.
For context, the mortgage will be for €230k, 1.5 x my income, 40% LTV.
Thanks