Self-employed

If you are self-employed, in the current climate you might struggle to find a mortgage.

You will usually need at least three years' audited accounts to be considered for a homeloan, and a hefty deposit of at least 20% is usually required.

Be aware that many high street lenders are not offering mortgages to self-employed borrowers at all.

Your best bet is to speak to an adviser who will let you know whether you have a solid case for borrowing, and may be able to place you with a smaller or specialist lender.

Click here to speak to a fee-free adviser.

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Mortgage lending to grow next year

Experts predict that UK mortgage lending could hit £150bn in 2013.

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1m have bought first home since credit crunch

One million households have become first-time buyers since the onset of the economic downturn, accounting for 1 in 10 mortgage borrowers.

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October house prices up 0.6% - Nationwide

UK house prices increased by 0.6% in October, more than offsetting the 0.4% decline recorded the previous month, the Nationwide house price index showed.

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Tougher rules on mortgage lending to be introduced in 2014

The Financial Services Authority (FSA) has confirmed that it will introduce rules designed to prevent irresponsible mortgage lending in its Mortgage Market Review.

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Mortgage insurance top tips

Many people end up paying too much for insurance or getting the wrong type of cover. For the right insurance for your circumstances, at the right price, simply follow our expert advice.

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Mortgage Payment Protection Insurance

Mortgage Payment Protection Insurance (MPPI) covers your mortgage payments in the event of your being unable to work due to an accident, sickness or unemployment, so it is also known as ASU.

Plumbers offered tax amnesty

Mortgages for the self-employed

The employment landscape in Britain has altered dramatically in the last 20 years and the current culture would be almost unrecognisable to previous generations.

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UK house prices decline 0.5% in Q3 - Halifax

UK house prices fell by 0.5% in the three months to September, reported Halifax.

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If you have a question about mortgages or homebuying, why not ask Editor in Chief Paula John?

Paula is CeMap qualified.

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Your Mortgage guides

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Guide to Help to Buy

Download our free, handy guide to the Help to Buy, produced in association with Aldermore Mortgages.

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Guide for First-Time Buyers

Download our free,handy guide for first-time buyers,produced in association with the Post Office.

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