Mortgages With Self Certification Status

Self-Certification mortgages were first introduced around a decade ago for people who could not easily prove their income. Also known as 'self-cert' and 'non-status' mortgages they were originally designed for self-employed people but are now often also a choice for employed people who cannot prove their income.


Self-Certification mortgages allow you to self declare your income if it is not easily provable. This can be very helpful if you have multiple incomes , commission, or work on a contract basis.

 

Self-certification mortgages are not exclusively for the self-employed and may be the right choice for you if you fall into one of the following categories:


- Commission based worker
- Multiple income e.g. rental income
- Contract worker
- Unsalaried company director
- NO payslips or accounts
- Seasonal worker
- Sole Trader
- Self Employed

 

The mortgage or remortgage process is easier with our partner mortgage brokers. The brokers have been chosen because they provide a fast and efficient service and have proven reliable to our visitors in the past.

 

What our chosen partner brokers will offer you:


- Quick and Friendly Service
- Low Flat Rate Fee
- Advice and recommendation of suitable products
- Always deal with the same person, not a robot.
- Talk to someone who understands your needs
- A mortgage with your best interest in mind
- Access to a range of exclusive products
- Fully qualified mortgage advisors
- Regulated by the Financial Services Authority



May, 8th 2006 TRY OUR MORTGAGE LENDER SEARCH TOOL

Choosing the right mortgage or remortgage

With so many mortgage products on the market... Fixed rate, trackers, capped, interest only, flexible rate, variable rates, offset... it can be difficult to decide which is the best to meet your goals. The criteria that each lender are looking for in a borrower are different as well. Meaning it can be difficult to make a complete application swiftly and efficiently.

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