If you are living outside of the box then fixed rate self certification mortgages can help you bring some stability to your mortgage repayments. If you work an extra job, work for yourself or work with bonuses as a significant portion of your income, a fixed rate self certification mortgage gives you the peace of mind that comes with a guarantee over how much your mortgage payment every month, regardless of whatever else is going on in your life.

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If it is such a good idea and more convenient, why cant everybody apply for one? You probably know people who have arranged a really good mortgage and did not even have to show the lender any proof of their income, but also know people who have been asked for pay slips and a P60. This is not because the lender is being less helpful, it is because self certification mortgages are designed to help people in different circumstances, often when proving income is not convenient or simple.

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If you are self-employed or earn an income that is lumpy or erratic, you will still want to ensure you have got the best deal on your home loan. And the only way to do this is to compare self-cert mortgages. But with a record number of lenders now operating in the so-called ‘self-cert’ arena, borrowers new to the game can all too easily get lost in the application process. That’s why it makes sense to employ a mortgage broker that specialises in the field so it can compare self-cert mortgages on your behalf. One such broker is The Mortgage Broker Limited (TMBL) the owners of the Self Cert Mortgage Centre that has all the answers upfront.

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Most people don't work a regular 9am-5pm any more so when it comes to securing finance to buy a property, a self certified mortgage could be the best solution for them. A self certified mortgage allows for a variety of situations which wouldn't be covered by a traditional mortgage, making it possible for those who run their own business, work a second job or earn bonuses to incorporate these earnings into the mortgage calculation. When you worked so hard for every penny, make sure it works hard for you. A self certified mortgage can help make this happen.

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A no proof of income mortgage may be suitable for all sorts of reasons. Whether you run your own business, get additional income through bonuses or other work or your job is seasonal, a no proof of income mortgage allows you to incorporate all that cash you earn into getting a level of mortgage you are able to repay but wouldn't be able to if it was just based on provable earnings. As long as you can show what you expect to earn, a no proof of income mortgage can help you get onto the property ladder.

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Are you wondering how the self cert mortgage rate matches up to a standard mortgage rate from your typical high street lender? Well, find out here what you can typically expect when looking for a self cert mortgage and what lenders will look for in return when assessing your mortgage application as someone who is self employed, be it as a physiotherapist or fire-eater. Whether it’s a fixed or tracker rate you’re considering, we’ll explain the essentials of what affects the self cert mortgage rate and take you through the questions you might want to ask yourself when searching for the best rate.

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Tags: self cert mortgage rate, self employed mortgages, self certification mortgage, self certified mortgages

If you asked a mortgage broker 20 years ago how you could self certify mortgages, he would not have known what you were talking about. Today however there are mortgage intermediaries that operate exclusively in the field of self certify mortgages – as the market for the products has grown rapidly. According to the Office for National Statistics’ Labour Force Survey, there were in excess of 3 million (3,337,000) self-employed workers in the UK in 2007 and numbers are steadily growing.

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Tags: self certify mortgages, self cert mortgage, self certification mortgages, self employed mortgage

If you are self-employed or have more than one job, your mortgage payments are an unnecessary headache. Every month that inevitable bill drops onto the doormat and it seems like it will never end, it seems like your mortgage will never go away. Well with a bit of help it can – self certified mortgages UK are a great way for those who cannot prove their income to pay off their mortgage early. Borrowers who are self-employed and have their own business can set up a plan to clear their debts earlier, or those with more than one stream of income can work out a way to direct more of their incomes into their self certified mortgages UK. The great thing about self cert is that they are flexible and you are in control – meaning you can decide to pay off your debts earlier.

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Have you followed the many people who have become self-employed and now need an alternative to your current standard mortgage? Well, the world of self certification remortgages could be the answer. Here, we help you understand what self certification remortgages are and why you might be the perfect candidate for one. If your circumstances have changed, be it working as a dj alongside your day job or launching your own clothes shop, self certification remortgages might be the right, and only, answer for funding your property. Find out here the essentials you need to know about self certification remortgages.

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The best self certification mortgages are the ones which suit your individual needs. Whether they have the ability to overpay or underpay, have lower or higher fees or just have a great rate for people who cannot prove their income, the best self certification mortgages help people get the right deal that works best for their circumstances. People's lives are complicated enough without being given extra worries by an unsuitable mortgage. The best self certification mortgages take as much of the worry away as possible.

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Tags: best self certification mortgages, self cert mortgage, self certified mortgages, self employed mortgage