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#1 04-03-07 17:06:40

reddragonbus
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From: Edinburgh
Registered: 05-02-06
Posts: 1,653

Loans for self employed

I'd like to buy a house but house prices around here start at £100K for a one bed flat, so as we ADI's only earn £30K a year LMAO where do I go for a loan?


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Re: Loans for self employed



#2 04-03-07 17:09:17

Carl
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Re: Loans for self employed

When I got my mortgage in 2003, I went for self-certification. Basically, it doesn't really matter what you earn as long as you can make the payments. I've got a £100k mortgage and could have got even more if I wanted it.

Carl


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#3 04-03-07 18:22:08

smdtr
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Re: Loans for self employed

Hi try Birmingham Midshires for Self-Cert Mortgage http://www.askbm.co.uk/

Newcastle Building Society do a great service in finding you what you need. http://www.newcastle.co.uk/

I've used both of these companies and they are very good.

#4 04-03-07 18:59:16

luchell
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Re: Loans for self employed

Same as Carl I have a Self Certification mortgage great stuff  smile


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#5 05-03-07 10:00:18

sue martin
Verified Member
From: National area franchises
Registered: 21-01-05
Posts: 333
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Re: Loans for self employed

Always gone the self cert route as well, last mortgage was with Abbey 1 year ago at a rate of 4.74% which is better than many other non self cert ones, ...get yourself a good independent financial advisor and they will find you a good deal, l think its best to find an IFA you feel happy with and use them for most of the financial decisions that come along.....the biggest decider on your mortgage interest rate will be your deposit rather than your earnings...but go for it..
Sue


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#6 05-03-07 14:20:40

captainhook
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Registered: 12-06-06
Posts: 2,197
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Re: Loans for self employed

yeah 10% down and any mortgage within reason they will give you with a self cert but payments are usually slightly higher.


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#7 07-03-07 19:21:01

hector
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From: Manchester
Registered: 04-04-06
Posts: 2,097
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Re: Loans for self employed

Your best bet is a rich wife with a Steady income!

Works for me anyway smile smile

Claire goose proposed but didnt carry enough financial backing so i turned her down.


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#8 01-04-07 13:27:11

phil jackson
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From: Letchworth Herts
Registered: 22-06-06
Posts: 394
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Re: Loans for self employed

We have our mortgage with Barclays Bank, but you will need to have 3 years of trading records as proof of income,
you can now get up to 5 times your salary so now you are earning 30k/annum a 100k mortgage should be no problem for you.
Regards Phil Jackson. :evil:


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#9 01-04-07 15:22:26

ijmoore
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From: Staffordshire
Registered: 25-10-06
Posts: 1,077
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Re: Loans for self employed

LOL nigel!


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