Could anybody produce a complete list of add-backs used by lenders to calculate borrowing capacity of a self-employed person (through a company structure). I know they include wages, director fees, and bonuses paid to the principal, as well as profit left in the company and depreciation claimed by the company. Is there anything else? Do they include payments to associates (family members) and if they do woudl household members who received money from the company but are not on the app form be considered "associates"?
Say cheese
Lotana
Say cheese
Lotana