To think someone should give me a mortgage

[quittinaeete]

Own my own house outright but want to move to a slightly more expensive one.

Will be a tiny mortgage but I can't get anyone to lend to me as self employed. The first two years I made nothing but now making good money. But because the average over three years is under 12k no one will lend to me.

The mortgage will be just under 200 a month on a five year fixed and I would save enough to pay it off outright after the fix. Even if I did nmw work could easily cover the mortgage. Yet I know people on a lower income that have a string of interest only buy to lets and get mortgages without much Hassel.

Would you have relative who could guarantor the mortgage?

Try Aldermore OP. We just successfully secured a 95% mortgage with only one year of accounts for my partner.

Definitely try a broker, I work for a broker and on your income I would say that 25k should certainly be achievable. Obviously that also depends on any credit commitments/ dependants etc. A decent broker will try every avenue before turning you away.

Also,make sure you find a broker who has access to the whole of market so that you know you are getting the best possible deal available to you

Ok fair enough. Permie (not pemie) is evidently a thing. Not in my industry but in some