Is a self-certified mortgage what I need?

jack_and_chester

I am in an unusual posiiton which means I don't fit the standard criteria for getting a mortgage, yet am paying £550 pcm rent and have £40,000 for a deposit. Here's the story:
I had a mortgage up until 1999 when I paid it off by borrowing from my parents and paying them back monthly.
Last year I sold that property as I was (supposedly) emigrating to New Zealand. That didn't work out so I came back to this country in February this year & started renting. I am a qualified ICT teacher so started work immediately on supply & have worked every school day since. I am now working full time at one school but am only on a term-to-term contract for reasons to do with the previous teacher being on long-term sick. I am earning £25,000 pa on this contract, having previously been earning £131 per day on the supply rate. The property that I want to buy is £115,000 so need to borrow £75,000.
I really need some advice as I went to the bank where I have had my current account for 15 years and some teenage mortgage adviser told me to come back in 18 months. Well, I am 35 with an excellent full time employment record and refuse to accept that I can't get a mortgage.
Thanks in advance!

yonk

Go and see a decent mortgage broker. Getting past the "gatekeeper" if you have non-standard circumstances is the hard part.

I always sorted out my own mortgage until it got to a point that the bank's advisor went pale and asked what gearing was. I now use a broker who charges a fixed fee to whichever lender you choose and who got me a very good remortgage with no fees.

Mortgageman

I've responded to your pm

However, for others in this position (which is becomming more and more common) there are a number of other options to explore - the main thing to do is not to worry, and try a number of different avenues (Building Socs / banks and brokers)

(well, really you should only need to speak to a broker, but for peace of mind it is worth shopping around)