Self Cert Mortgages? No accounts/payslips? HELP!

steviestevie

I am living with parents at 29 and have decided to finally move out after hanging around for the housing market all this time with my girlfriend of 24.

The problem is that I have earnings of around £60,000 per annum but from various sources where I have been 'freelancing' around various countries and companies. I have no PAYE slips or job references as I have been more self-employed really but have no accounts. The only proof of earnings are through my bank accounts (although I have not kept bank statements!). Also, I have maintained a very good credit history for the last 4 or 5 years but I do still have some bad credit history from unpaid credit cards for around 6 months that isn't due too come off until next May. No payments missed for years though.

My girlfriend has pay slips etc but only for around £10,000 per annum.

We are currently looking at houses upto around £210-£250k.

The question is that with our situation as it is (e.g. no payslips/accounts, previous credit etc.) how easy or hard is it going to be to get a mortgage in this current climate? Can I still get a self-cert mortgage from a big bank like Halifax etc. or do I have to take a seedy route of dodgy brokers and backstreet lenders? And what will I need to get a self-cert mortgage? Or is there another route I'm not considering?

Also, we are only looking at around a £10,000 deposit as pretty much max - Is this enough nowadays with my situation?

Any advice of who to go through, how much it will cost and if I have any chance? I haven't applied for anything yet as I don't want needless searches to show up on my credit history if I have no chance.

Sorry, lot's of questions but obviously this will be a first time buy (living with parents at the mo), I hope you can help!

minimike2

Double post.....