Self employed/Self cert

For individuals who are self employed it can often be quite difficult to obtain credit. You might have a good monthly income but find it hard to provide the necessary evidence in the form of annual accounts, or your income may fluctuate month in month out but overall you have a good idea of what you can afford.

Even for those who do have accounts available, most lenders require three years accounts. It may be that as you are only in your third year of trading and as a result you are unable to provide the information required to obtain a mortgage.

To cater for people in this increasingly common and frustrating situation we have access the best self-certification deals available.

Self certification mortgages allow you as a responsible borrower to declare that you can afford the mortgage you can require based on your income, but you are unable to provide the necessary evidence required to support this.

This generally applies to the self employed but it can also be used for contract and freelance workers and employees who have a large portion of their salary made up of commission and bonuses.

It is your responsibility to ensure you can afford the mortgage and self certification is not offered as a way of borrowing more than you can realistically afford.

If you fall into any of the above categories or feel that self certification would be the only option for you then we will be able to find you a deal to suit your requirements. Even if you have less than 1 year’s trading history we can still help.

For more information and to request your free, no obligation consultation with one of our qualified, experienced mortgage advisers, please contact us using the quick enquiry form below.