Self Certification

Are you having trouble finding a mortgage because you’re self-employed or have an irregular income?

Then a self-certification mortgage may be the mortgage option for you. But do you qualify for this type of mortgage?

To find out more contact us and we’ll advise you on the self-cert mortgage process and if this is the option for you.

But in the meantime we’ve outlined below some background information on self-cert mortgages that we hope you’ll find useful.

So what exactly is a self cert mortgage?

In a nutshell a self-cert mortgage allows you the borrower to certify your own earnings without having to supply proof of income documentation, such as pay slips or fully audited accounts.

With around 15% of the UK population now being self employed, self-cert mortgages are becoming increasingly popular.

As the market becomes increasingly competitive, the deals available are just getting better and better.

Is self cert the mortgage solution for you?

Self-cert mortgages are ideally suited to those who are self-employed, or employed but have an irregular income, due for example to bonuses and commission. They are also ideal for those who have several jobs, are seasonal wage earners or those who regularly undertake contract work.

What can we offer you?

As we have access to thousands of mortgages and excellent deals with a huge range of lenders, we can offer a wide range of self-cert mortgages with some special features:

* Loans with no income checks up to 90% of the purchase price of the property
* Available for the employed and self employed
* Those trading for just one year can be accepted
* Available to those with more than one job or pension based income
* True self-certification mortgages available up to 90% of the purchase price of the property

Whatever your employment situation, we’re certain we can find the mortgage for you.

So if you're having trouble finding a mortgage because you’re self-employed or have an irregular income, then talk to us today!

The overall cost for comparison is 6.5% APR.