I have had a mortgage at age 27 now 49. Paid it back, took out another for circa 120k for this house worth 450k paid it back in full about 3 years ago. Own house outright. Have income from lodgers lets say circa £400 plus bills. Have new job earning 8k for 2 days a week. Have project on going - earning £333 net per month. Have self employed psychotherapy business earning £600 per month...this is the first year where I will show I have made more than 8k which is the pervious 2 years earnings..eg I don't have 3 years records at the tax office. Outgoings on current house about 500. Have bought with capital two properties abroad - have final payments to make in Turkey of 40k this year and 20k next year for Bulgaria.

Can't find a mortgage do not want to get turned down and get negative footprints on credit..should I try for a loan or mortgage? Self certified it has to be...and where should I try? I prefer tracker but would do fixed or even interest only if that helped my case...??

Otherwise I loose both properties abroad and all the cash invested into them?