I work for a large IFA firm and know for a fact that he could not have got a second mortgage based on his main residential mortgage being nil pounds.
any adviser trying to get that signed off would be told in no uncertain terms that it was pointless, no providers would do it.

Poor Albert, why does he do it to himself?
(dozers, do fuck off ur a nob m8, Tue 5 Mar 2013, 21:40, 1 reply, 13 years ago)

Thanks for making an effort to investigate this.
But - the lending criteria were not based solely on my current mortgage. I took the opportunity to apply for a buy-to-let and as my monthly outgoings had reduced by £1,400, they accepted my application based on affordability and the deposit I'd saved.

Also, as it was a buy-to-let product, the rental clearly covered the mortgage repayments.

And that is the last I have to say on the matter.
( Albert Marshmallow is a completely irredeemable cunt, Wed 6 Mar 2013, 14:00, Reply)