If you have money worries maybe you should consider a loan. Most companies let you borrow money at a rate affordable to you. Whether you are employed, self employed or else, your bank should be always be able to lend you a certain amount of money. Be carefull if your loang gets secured in your mortgage as you might loose your home.Agencies normally estimate your credit score then shows which loans you should be accepted for. It's not perfect but is a big step in the right direction. Make up your own mind.
