mortgage advice

With that much deposit you should be able to get one, but maybe you'll need to
go to a broker (?)

Thats the route id already tried without success,just wondered if anybody had managed to get a mortgage in this current climate without accounts.

Consider going down the buy to let mortgage route

They rarely check if you actually live there and the criteria are different

At the moment, you are still effectively self certification even with 75% deposit ..and that is a 'No-No' for a residential mortgage

Thanks" on the" that is an option really good idea txs very much

Hi racing,well i do have a great credit rating so if its done on that i would be fine txs

FSA changing the regulations. Since the announcement in October 2009, all of the major Self Cert lenders have pulled their products off the market. However, if you contact those below they can get other sources to lend.
Can't have been any kickback for your broker?

http://www.charcol.co.uk/find-a-mortgage/

http://www.self-cert-mortgage-centre.co.uk/

http://www.abcmortgages.co.uk/

http://www.contractoruk.com/money/self_certified_mortgages.html

http://www.1st4selfcertificationmortgages.co.uk/

There are loads of others.