My fixed-term mortgage has just ran out. I was being paid through an umbrella up until mid-last year when I started my own ltd. I won't be working for the first half of 2007 due to personal reasons, but I'm wondering where I stand with regards to a mortgage now. I don't have 12 months accounts, I'm not currently in a contract and won't be for a while, so am stuck for answers when I'm asked who my employer is, how much I currently earn (paying myself 12.5k p.a. from the company, plus divis) etc. Last year's P60 shows a decent income, but what do I tell a mortgage adviser now? Is it best to wait until I've got another contract before applying for a new mortgage?

Any help is appreciated. Thanks.