mortgage advice needed

dazza609

I have been with bradford and bingley since 1993. As most of you are aware the government bailed out bb several years back and is now owned by the government. Since then bb are unable to offer fixed low rate mortgages. I am unable to move borrower as my partner is self employed (5 yrs accounts) and i have only been self employed less than 12 months.
I want to move to a supplier who will offer fixed rate mortgages but most of the big suppliers wont give us the mortgage due to my having less than 3 years accounts.
Hence i am stuck paying well over the odds. any advice welcome:mad:

stephenni1971

If you have been with B&B since 1993 I would have thought you might have a big chunk of your mortgage paid by now? At very least house price rises should have given you a lot of equity.

Does your other half earn enough to remortgage without needing your income taken into account?

ACG

There are lenders who will look at 1 years accounts.

How much is the property valued at? How much is the mortgage?

What rate do you class as well over the odds, as having only 1 years accounts will limit who is available which in turn means you are unlikely to get market leading rates.

originalmiscellany

The average house price in 1993 was : £51,050
according to the ever reliable http://www.housepricecrash.co.uk/indices-nationwide-national-inflation.php

Have you re-mortgaged since then? Concurring with others above, you should have made HUGE inroads into your mortgage over the past 21 years, to the point of almost having cleared it? Please advise so we are able to better advise.