Self Certification (also know as self certified) mortgages are ideal for applicants whose income is not easily verifiable.
Self Cert mortgages are designed for people whose income is difficult to assess using the standard methods adopted by most conventional mortgage lenders. The specialist mortgage lender will be far more accommodating and they appreciate that different working patterns require a more flexible approach.
In short, if you know you can pay a mortgage, but have difficulty proving it in the usual way, we can help through a type mortgage which does not require evidence or proof of income.
With a Self Certified mortgage you do not have to provide accounts, payslips or other proof of income, but instead you simply certify that you have sufficient income to service the repayments. You could qualify for up to 95% of the purchase price.
Even if you have adverse credit or previous arrears we have access to lenders who can help.
Innovative mortgage solutions are available which present you with a more flexible way to pay your mortgage when you are self employed.
If a flexible mortgage is important to you, payments can be tailored to meet your changing circumstances. So you can increase payments or pay lump sums when cash flow is good and reduce payments or take payment holidays when you need to.
An independent broker has access to all the lenders in the UK and will have access to some exclusive deals from a number of mainstream and specialist lenders in the UK.
Simply complete the online enquiry form to receive a free no obligation quote. A specialist mortgage broker will get back to you with the best deals available.