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@faustina7 Yes i'll be looking for HTB but FHS isnt open to self builders.

@sfanacogdoches That's interesting. Thanks for the reply.

@thisguy64 That's good advice. Thanks for that!.

@analogica The money is there, or the money is not there. The bank dont pay somebody to analyse your accounts to see which payment they think the account holder would prefer to make. The onus is on you to have sufficient funds for your commits.

@luebeaute Thanks. I'm sure your broker gave you solid information so i appreciate the heads up. This time last year i'd have snapped your hand off for 4 times salary. Now its gone to 4 i'm looking for 4.25. Being greedy!

I'm wondering does anybody know the criteria for qualifying for a mortgage exemption up to 4.25 times annual salary?. I have a site that I bought for 75k. Last year I made 58k gross and I got a 4% pay increase this year. I'm a single applicant and i have 24k in credit union savings. I'm saving...

@earlw They are using you for cheap labour. You are using them to get a reputable name on your CV. That's the extent of the relationship. There is no correlation between big turnover and big wages in these companies.