There a number of reasons why you might be considering taking out a self-certified mortgage. If you are self-employed, a non-salaried director, in a commission-based role or are otherwise unable to prove your income, a self-certified mortgage gives you the chance to purchase the property you know you can afford through a selection of mortgages tailored to your needs.

Recognising the potential of the UK’s increasing number of people in self employment has prompted lenders to develop and offer an ever expanding portfolio of self-certification mortgages, and this increased competition has led to a raft of innovative and better value products for you to take advantage of.

You need to be aware that fees and interest rates associated with self certification are typically greater than for a standard mortgage; we´ll make sure you know all the detail from the beginning.

We consider ourselves experts in this field, helping ever increasing numbers of borrowers obtain the self cert loan they need. With our broad knowledge of the mortgage market we are well placed to talk you through every step of the process and find the right deal for you.

It is vital that you only declare your correct income as exaggerated income will mean you may not be able to afford your mortgage payments and it is also classed as mortgage fraud.  Although the lenders in most cases will not check your income, it is my responsibility to ensure that you can afford the payments so I will be asking you questions around your income to confirm it is correct.

Email us now to arrange a call back or make an appointment or if you would like to talk with one of our advisors please call
0207 300 7353.