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Self Certification Mortgages
 If you are looking for a mortgage for your home and do not work
on a strictly employed basis contact us today to speak to an independent mortgage advisor about
self-certification mortgages and remortgages. Self-certification mortgages are designed for self-employed
workers, contractors, freelancers, company directors, and employees who receive income through commissions
and bonuses.
Having an irregular income or a non-standard working arrangement
is no longer a reason to be excluded from the home loan market. Millions of UK residents now qualify for
self-certification products and many have taken advantage of this to buy their own home. If you would like
some advice on self-certification mortgages or remortgages – even if you have no proof of income – submit
your details and speak to a qualified mortgage broker today.
Contact us today about Self-Certification Mortgages |
What is a Self-Cert Mortgage?
Self-certification mortgages were first brought to the market to cater for self-employed workers who do not receive a salary or wage from an employer. In recent years self-certs have been utilised by various different people to finance their homes such as contractors, company directors, and workers who receive irregular income through commissions and bonuses.
>> More Am I eligible to apply?
All individuals who receive some form of income can apply for a self-certification mortgage. If you are an employee who receives a salary and can prove your earnings through payslips and tax records it may be more appropriate to apply for a full status mortgage. Contact a mortgage broker through our online form today for advice on which type of mortgage and remortgage products are suitable for your situation.
>> More Do I need proof of income?
Many self-certification mortgage and remortgage products do not require applicants to prove their incomes by way of payslips or financial accounts. Some products and lenders do require some proof of income, however, so it is wise to speak to an independent mortgage advisor before applying for a self-certification mortgage.
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