Self-certified mortgages

[ATV]

Could anyone tell me if self cert mortgages are on the market and can be obtained?

I was on a 9 month contract. I've got a 15% deposit for a £150k house (I'm a FTB). My monthly wages slips easily put me in the bracket for the house but I don't have payslips for May and June so NatWest said they can't give me a mortgage.

My next contract starts in Oct (again 9 month) but I don't want to wait that long.

Would a self-cert be easily obtainable and can anyone recommend a decent broker

[Soovy]

[Dr Phibes]

Soovy said:

Fook me did Bob Hope die from a scanner style mind attack, looks like his head is about to pop

[scotal]

ATV said:

Could anyone tell me if self cert mortgages are on the market and can be obtained?

None that I am aware of

ATV said:

I was on a 9 month contract. I've got a 15% deposit for a £150k house (I'm a FTB). My monthly wages slips easily put me in the bracket for the house but I don't have payslips for May and June so NatWest said they can't give me a mortgage.
My next contract starts in Oct (again 9 month) but I don't want to wait that long.

So you are currently not receiving an income?

ATV said:

My next contract starts in Oct (again 9 month) but I don't want to wait that long.

Contractors who don't have concurrently renewed contracts are going to struggle to get a mortgage in the current market. If you have a 9 month contract and tell a mortgage lender that you're permanently employed you will be comitting fraud.

ATV said:

Would a self-cert be easily obtainable and can anyone recommend a decent broker

No, and no decent broker will touch this with a bargepole.