Can you get a home loan without a deposit?

[danniellabella]

and bugger - being self employed bring a whole 'nother issue...

Oh yeah...forgot about that with DH
Well, I earn more than him and my income is regular. Can't hurt to talk to someone though...what's the worse that can happen...they say no. Nothing ventured, nothing gained right? We have nothing to lose in finding out our options.

[Snacks]

Yup, talk to a broker. (PM me if you want the name of a really good one!)
Have you considered family equity? If either yours or DH's parents own their home and are willing to help you out, this can be a good option. If you don't have a 20% deposit, you have to pay Lenders Mortgage Insurance, which as a PP said is bloody expensive. If you do go down the family equity track, the bank will require that they receive independent legal advice and the advice is usually that you take out a life insurance or mortgage insurance policy - a bit extra for you to pay, but you can shop around, and this protects your parents and their home if something bad should happen to you and you can't pay your mortgage.
Yes, paying off your debt with no late repayments gives you a clean credit history, but that doesn't guarantee you anything.
Good luck!