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mortgage self employed/defaults

I am self employed and have been for 11 months, I work as a courier for a large company. I have 3 defaults which are around 3 years old nearly, no missed payments or any problems since.

I might be looking to buy a house for around 100k and would have a 50k depoit, I'm guessing i would need to use a broker, with a deposit of 50% in my circumstances do you think i have a good chance?

Comments

  • Dave_Ham
    Dave_Ham Posts: 6,045 Forumite
    Tenth Anniversary Combo Breaker
    Almost certainly you will require a broker, as your lender selection is hugely restricted.

    May be better to wait until you have at least 1 set of accounts though..

    The rates should be sensible though..

    Good luck
    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.
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