Mortgage? Computer says no

Woman frustrated at her laptop © Getty images
Speak to a broker to avoid frustration

A decade ago, being self-employed was no barrier to getting a mortgage. Some lenders didn’t even bother asking borrowers for evidence of their earnings before handing over hundreds of thousands of pounds to buy a house (the now-extinct “self-certified” mortgage). But then the 2008 financial crisis and housing crash came along. Amid the subsequent crackdown on mortgage lending, it can seem almost impossible to secure a mortgage if [...]