We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Want to become a Forum Ambassador? Visit the Community Noticeboard for details on how to apply

I need one hellp

perky123
perky123 Posts: 3 Newbie
in Mortgages & endowments
Hello can someone give me some advice.
I was going to get a mortgage 2 months ago and was seeing an adviser , unfortunately the firm I was working for went bust , so I have started up my own bushiness now.
I have a good deposit I just do not no how I can get a mortgage now with no wage slips
:mad:

Comments

  • BoGoF
    BoGoF Posts: 7,098 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    You'll need minimum 2 years accounts before anyone will consider you
  • perky123
    perky123 Posts: 3 Newbie
    is there nothing i can do . some one said i could get a self cert one.
    what if i went back to work how many wage slips would i need
  • BoGoF
    BoGoF Posts: 7,098 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Self cert mortgages no longer exist.
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    You can get mortgages on the basis of 1 years accounts.
    Are you in the same line of work on a self employed basis, that you were in whilst employed?
    Do you have any way to verify any future income you might have i.e. work contracts?
    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.
  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    perky123 wrote: »
    some one said i could get a self cert one.

    Someone told you wrong.
  • perky123
    perky123 Posts: 3 Newbie
    I have 25k and only need another 50k there must be something i can do please help
  • _Andy_
    _Andy_ Posts: 11,150 Forumite
    As already stated, self-cert mortgages no longer exist and without two year's accounts it's just not going to happen.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.9K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.2K Spending & Discounts
  • 246.9K Work, Benefits & Business
  • 603.5K Mortgages, Homes & Bills
  • 178.3K Life & Family
  • 261K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture