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Q: I am a first time buyer but I am self employed. Is it true the banks will not lend to me?
A: No not necessarily. If you have been self employed for 2 years or more and have Certified Accounts and Notice of Assessments (Tax Returns) for the the last 2 years proving your earnings than mortgage lenders will accept an application from you.
If they will approve you and how much they will approve you for will ultimately depend on how much you earn, your savings record, your day to day money management record in the last 3-6 months and your credit history record.
