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Self certification mortgages

Self certification mortgages

Old Jan 6th 2006, 12:06 pm
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Question Self certification mortgages

Hi

if we do decide to move back to the UK we will be looking at a self certification mortage as DH is self employed and some of his income is not necessarily going through the books!

My question is, do any of you know of any lender you will provide a mortgage based on three years self employed history not in the UK? In Oz we have been able to get a mortgage based on the information that hubby was self employed for 2 years before we moved here (plus 6 months Oz self employment), so I would hate to go back and be denied a mortgage for three years whilst the bank waited for him to get three years employment history in the UK. If a bank would take into account working history in Oz that would be great as he is really just a contractor, it's not like he will be starting a business.

Any help would be appreciated, I am a bit out of touch with Scottish mortgages!

thanks

Mel
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Old Jan 6th 2006, 6:16 pm
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Default Re: Self certification mortgages

Originally Posted by mika24me
Hi

if we do decide to move back to the UK we will be looking at a self certification mortage as DH is self employed and some of his income is not necessarily going through the books!

My question is, do any of you know of any lender you will provide a mortgage based on three years self employed history not in the UK? In Oz we have been able to get a mortgage based on the information that hubby was self employed for 2 years before we moved here (plus 6 months Oz self employment), so I would hate to go back and be denied a mortgage for three years whilst the bank waited for him to get three years employment history in the UK. If a bank would take into account working history in Oz that would be great as he is really just a contractor, it's not like he will be starting a business.

Any help would be appreciated, I am a bit out of touch with Scottish mortgages!

thanks

Mel

Apparently Yorkshire Building Society does
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Old Jan 7th 2006, 9:46 am
  #3  
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Default Re: Self certification mortgages

Originally Posted by Silverdragon102
Apparently Yorkshire Building Society does
that's great, thanks!
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Old Jan 7th 2006, 11:02 am
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Default Re: Self certification mortgages

I will ask hubby when he gets back from swimming as we got mortgage here after 6mnths and he was self employed. Look at Northern Rock. !!!
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Old Jan 7th 2006, 11:20 am
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Default Re: Self certification mortgages

Originally Posted by Pants
I will ask hubby when he gets back from swimming as we got mortgage here after 6mnths and he was self employed. Look at Northern Rock. !!!
that would be brilliant, as the answer to this question is key to our decision to move back
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Old Jan 7th 2006, 4:49 pm
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Default Re: Self certification mortgages

Originally Posted by mika24me
that would be brilliant, as the answer to this question is key to our decision to move back

Hi

I have sent you a PM

cheers
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Old Jan 7th 2006, 8:03 pm
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Default Re: Self certification mortgages

Originally Posted by mika24me
My question is, do any of you know of any lender you will provide a mortgage based on three years self employed history not in the UK?
I have a self-cert mortgage from Birmingham Midshires
(http://www.askbm.co.uk/) found for me through a broker. My application was based on 3 years of self-employment based in Canada - it was not a problem.
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