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No results on Moneysupermarket!?!?

GeenyWeeny
Posts: 84 Forumite


Myself and Husband are first time buyers and have found a house we would like. I have filled in the online comparison form on Moneysupermarket.com but it says no results based on my criteria.
I am employed earning 16.5k
Husband is self-employed and net profit going back 3 years is 26k, 23k, 22k. He has over 5 years of accounts with a chartered accountant.
We have no adverse credit. The only debt we have is a loan of £148 p/m
The house is £129,950. We have a 20% deposit.
We are looking for a fixed mortgage over 5 years.
I have then changed the self-employed section to employed, and got results.
Are we going to find it hard getting a mortgage because he is self employed?
I am employed earning 16.5k
Husband is self-employed and net profit going back 3 years is 26k, 23k, 22k. He has over 5 years of accounts with a chartered accountant.
We have no adverse credit. The only debt we have is a loan of £148 p/m
The house is £129,950. We have a 20% deposit.
We are looking for a fixed mortgage over 5 years.
I have then changed the self-employed section to employed, and got results.
Are we going to find it hard getting a mortgage because he is self employed?
0
Comments
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You should be ok with the books he has, my mate struggled with 12 months worth but it was mainly because they wanted to see his job was of some permanence (he had just got his first 12 months on oil rigs, very hard to get into). He went back to them with 18 months worth 6 months later and they were happy.
Maybe try a face to face advisor.0 -
Self employed with 5 years of accounts will be fine.
Be careful of what info you put into moneysupermarket. Your phone number will be sold on to somebody who will call you to discuss.
Better to find a broker yourself and see what can be done.
I assume the self employed figures are 26k for the latest year, i.e increasing yearly?I am a Mortgage AdviserYou 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.0
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