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Self Cert? Help Please :-)

staffsuk
staffsuk Posts: 219 Forumite
Part of the Furniture 100 Posts Name Dropper Combo Breaker
edited 16 May 2009 at 5:37PM in Mortgages & endowments
Hi everyone!

OK - I'm stuck on what to do and wondered if anyone could offer some advice?

Comments

  • staffsuk
    staffsuk Posts: 219 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Anyone? :cry:
  • homer_j_3
    homer_j_3 Posts: 3,266 Forumite
    What is your current employment status?

    What do you earn now?

    Do you have any ccj's defaults or anything else adverse in your credit history?

    Self certs are not a way of circumnavigating employment checks and income checks as most decent advisers will still want to see evidence that you are earning what you are.
    I am a Mortgage Adviser
    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.
  • herbiesjp
    herbiesjp Posts: 8,499 Forumite
    staffsuk wrote: »
    I have no accounts to provide as I haven't bothered given that I've not really earned anything so what would be my best option for a mortgage?



    If this is correct, and you have no earnings, then you will not be getting a mortgage I'm afraid :rolleyes:
    I am a Mortgage Adviser
    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.
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