Recent arrival to UK credit crisis

eskbanker

JoshuaWB said:

Also we are both freelance photographers and so have no company commitments and will be a little slow building up our income over here. We feel at a disadvantage as far as credit and mortgages are concerned.

You are at a disadvantage relative to those who are more established, so, while much of the above discussion focuses on the credit card aspects (unsurprisingly when you've posted on the credit card board!), it's probably worth getting some input from a mortgage broker regarding your prospects of convincing companies to lend to you, which will undoubtedly entail being able to demonstrate steady and reliable income:

https://forums.moneysavingexpert.com/categories/mortgages-endowments

WillPS

eskbanker said:

JoshuaWB said:

Also we are both freelance photographers and so have no company commitments and will be a little slow building up our income over here. We feel at a disadvantage as far as credit and mortgages are concerned.

You are at a disadvantage relative to those who are more established, so, while much of the above discussion focuses on the credit card aspects (unsurprisingly when you've posted on the credit card board!), it's probably worth getting some input from a mortgage broker regarding your prospects of convincing companies to lend to you, which will undoubtedly entail being able to demonstrate steady and reliable income:

https://forums.moneysavingexpert.com/categories/mortgages-endowments

Great advice. Having a credit card is not a prerequisite for getting a mortgage.