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Mortgage Refused- Advice please


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Hi everyone,

 

I am sorry if this is not the right section.

 

I am working as a self employee for last 10 months in London area, before this I was working as an employee for a company for three years and I have P60 and pay slips etc.

 

Fortunately I save some deposit to buy a home, this Monday I call my bank and ask where I stand for GOVT help to buy. The bank lady check everything like my expenses against my income etc. After talking to her senior she said the bank cant offer me mortgage now because I need to be in self employment for atleast 2 years and I need to show them tax returns etc.

 

My question is , is two years criteria is basic requirment for all self employment people or its depends from bank to bank?

 

Shall I go out and ask independent mortgage advisers? Or is that just waste of time and credit searches on my profile?

 

Any help welcome.

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