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Can I refinance my mortgage without a job?

simmed
simmed Posts: 2,227 Forumite
in Mortgages & endowments
Me and my wife are a little stumped. Has anyone here refinanced their mortgages without a job? If so what resources, advice or tips do you have? Thanks

Comments

  • Dave_Ham
    Dave_Ham Posts: 6,045 Forumite
    Tenth Anniversary Combo Breaker
    So long as you have a suitable income to repay the mortgage then it will be fine.
    I am a Mortgage Broker
    You should note that this site doesn't check my status as a Mortgage Broker, 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.
  • kingstreet
    kingstreet Posts: 39,029 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    simmed wrote: »
    Me and my wife are a little stumped. Has anyone here refinanced their mortgages without a job? If so what resources, advice or tips do you have? Thanks
    Please tell us what you mean by "refinanced."

    Are you talking about changing lenders and/or increasing your borrowings, or simply looking to get a new rate for your current mortgage?

    If the latter, your current lender may have customer retention products available to you without further status or income evidence. Ask them for details.

    If the former, Dave's answer is well on the nail.
    I am a mortgage broker. 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. Please do not send PMs asking for one-to-one-advice, or representation.
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