Self Cert Mortgage (UK)
Self certified mortgages are ideal for those who are self employed and for those with difficulty in proving their income. They are also suitable for those with an adverse credit history.
Can't Prove Income?
There are a large number of people who can't prove their income such as the self employed, freelance workers, directors, salespeople for example. If you are one of these people, you may have difficulty in providing three years proof of income (2 years with some lenders).
However, if you are able to afford the repayments then you should consider a self cert mortgage.
Self Declaration of Income
If you opt for a self cert mortgage in the UK then you will not have to supply detailed accounts or proof of income. However, the more supporting evidence you can provide, the better it will be. All you need to do is declare your own income to certify that you are in a position to make the mortgage payments. This can also apply to those with a poor credit record such as CCJs or arrears.
Compare Self Cert Market
If you would like to know more, then all you have to do is fill out a quick online enquiry form. You will be assigned an experienced, dedicated broker who will guide you through the process in plain English rather than industry jargon. You will be able to take advantage of his extensive self cert mortgage knowledge knowing that after comparing the various deals, you will be shown the best offers for your circumstancs.
We CAN help!
A lot of these deals are not readily available from traditional high street lenders so we are in a good position to help you get the best self certified mortgage deal. Even if you think we can't help you can still be successful even if you can't provide 3 years accounts or have what you consider to be a poor credit rating.
