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Getting a Mortgage with no job???

Gem_
Gem_ Posts: 495 Forumite
in Mortgages & endowments
Ok. My DH and I are finally planning to live together - could be the end of a happy marriage?

My house is under offer and I want to buy a house for us, the house is £135000 and I could put down up to a £60,000 deposit but .... I am currently a student so have no steady income.

Is there anyone out there who would let me self cert / buy to let mortgage ??? Can anyone think of options? I have a Natwest Mortage for £40,000 at the moment but I am sure they will not let me borrow extra without proof of income?

Thanks for any advice

Gem

Comments

  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    Do you no want your DH on the mortgage?

    Does he have an income?
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Gem_
    Gem_ Posts: 495 Forumite
    DH has an income (and would be paying the mortgage) but he also has a house, so his borrowing capacity is tied up in this. We can't sell his house without first buying this one as this one needs some renovation before we could move in. DH works about 80 hours a week so I couldn't ask him to live in a building site :)
  • toonfish
    toonfish Posts: 1,260 Forumite
    you could look at doing this as a "self-build" whereby they will just deduct his existing mortgage as a commitment
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it.
    This signature is here as I follow MSE's Mortgage Adviser code of conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.



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