6 Months self employed any mortgages available..

deufman

Hi, all i have been self employed now for 6 months and now have a 10% deposit available.

Do any of you know if there are any mortgages available with 6 months books

I would also be able to supply accountants letters etc..

Any advise very appreciated..

opinions4u

I would be absolutely gobsmacked if you can get anything anywhere.

darkman13

same boat as you and cant get anything, i worked in the firm and now own it but cant find mortgage because they see me as self employed foe 10 months, and now understand why some people lie in their application just like their CV! its wrong but some people have no choice and they do take that option to get a mortgage.

koexelek

opinions4u wrote: »

I would be absolutely gobsmacked if you can get anything anywhere.

Agreed.

Only hope would be current bank, if they will base it on account conduct, and that's a long shot

opinions4u

darkman13 wrote: »

same boat as you and cant get anything, i worked in the firm and now own it but cant find mortgage because they see me as self employed foe 10 months

Which is exactly what you are.

and now understand why some people lie in their application just like their CV! its wrong but some people have no choice and they do take that option to get a mortgage.

There is the choice to tell the truth. There is the choice to rent instead of buy. There is the choice to be decent.

_Andy_

darkman13 wrote: »

same boat as you and cant get anything, i worked in the firm and now own it but cant find mortgage because they see me as self employed foe 10 months, and now understand why some people lie in their application just like their CV! its wrong but some people have no choice and they do take that option to get a mortgage.

Fraud then? Nice. Well done.

In what way do people 'have no choice'? No-one's forced into buying property.

darkman13

_Andy_ wrote: »

Fraud then? Nice. Well done.

In what way do people 'have no choice'? No-one's forced into buying property.

i did not say people have no choice in regards to buying or not, ive just made a point that somepeople as we all know bend the truth to obtain which i clearly would note that is wrong and wouldnt recommend it as its fraud! however i am just pointing out that some still do, and that is their bad choice!

_Andy_

Well in what respect do they have 'no choice'?

darkman13

they do not have a choice in getting a mortgage, which they know and most of the time with the help of a mortgage broker create choice! example... http://news.bbc.co.uk/1/hi/business/8059565.stm

_Andy_

Sorry but I can't think of any situation where someone is 'forced' into getting a mortgage.
Yes there are brokers who are dodgy but the majority aren't.
In any case, just because Mr.Dodgy Broker is willing to commit fraud too doesn't mean the client has to - assuming there isn't a gun against his head.

darkman13

again i agree with you andy obtaining a mortgage via dark avenue isnt all a good idea and not a choice for me nor other people and im sure for you, however i still insist that i am merley pointing out that given the situation at a time for a desperate person no matter what the reason and no matter how wrong some and i underline that some people will choose the dark avenue, because if they do not they have no choice of getting to their destination, and its that no choice that i am pointing towards. idealy it isnt a no choice its a straight no, however some do create the choice!