Self Certification Mortgages
"Self Cert" or not "Self Cert" - That is the question...
Okay, so it's not exactly Shakespeare - but there is no need to make a drama out of self certification mortgages for self-employed people.
The standard solution is to opt for a mortgage where you don't need to prove your declared income.However, this could restrict the percentage of property value that you can borrow, and you may pay a higher interest rate for this service.
There are other ways that our advisers may assist the self-employed.
The first is to help you interpret your accounts as different lenders have different criteria for the 
assessment of self employed income. This may allow us to present your accounts to a lender and persuade them to calculate the maximum borrowing in a different manner. If we can, then you may get maximum loan to value (LTV) with prime interest rates and terms.
The second is that we may be able to prove “affordability” rather than apply an income multiple. For instance, you may have a mortgage, a loan and several credit cards that you want to consolidate into one mortgage. Your income may not appear to be sufficient, but if we can demonstrate that you have met all the commitments for a good period of time, and your new commitment will be less, then we can prove “affordability” and may be able to arrange a mortgage based on this formula instead.
Of course if we only used the conventional routes then the lenders computerised systems would probably decline your application, just because it does not fit their normal criteria. Fortunately, the art of underwriting and risk assessment survives among a few excellent lenders who do not rely solely on their computers to make decisions for them. We are able to obtain approval in many situations because of our professional relationships with the decision makers at a number of mortgage providers.
Our team of dedicated self certification professionals understands your predicament perfectly, they help thousands of clients in the same position achieve their property goals with the minimum of fuss and bother every year. We are absolute experts in self cert mortgages so just call or email our friendly team and get…
- Free Advice from Experts in Self Employed Mortgages
- Free Instant Quotes from our Whole of Market Panel of Lenders
- Free Detailed Illustrations of the Best Deals Available for You
- Fast Decision in Principle from the Lenders
We Work for You- Not the Lender so whatever your circumstances we are here to help you secure theBest Possible Mortgage Offer at the Lowest Possible Rate. If you have been turned down elsewhere – Don’t Despair - our expertise in presenting the best possible case for our clients and our relationships with the UK's Top Lenders allows us access directly to the lenders decision makers ensuring the best possible presentation of your case to the lender.
We have helped clients throughout the UK and have hundreds of testimonials from happy customers a selection of which can be seen by clicking Customer Testimonials. Our award winning service, knowledge and understanding of client problems and lender criteria is second to none and is supported by our Triple Guarantee...
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PS. Whatever method of contact you choose you can rest assured that our expertise will be put to work on your behalf immediately. Our goal is to provide you with the right mortgage at the best rate whilst making the process of financing your next or re-mortgaging your existing home as simple and stress free as possible!
