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The
most basic reason is that the self employed person, for instance,
may not have a stable income. They can earn a lot one month, and
nothing in another. This increases the chances of a default or arrears.
Another reason is that income is from varied sources, thus making
the computation of income difficult. A freelance worker may work
for a number of people, each paying him/her different remuneration
for his services.
This is how the self certified mortgage steps up to provide relief.
Self-certification is the process by which the amount that a customer
borrows is based on what they claim is their income as stated in
a signed declaration in the application form, but where they don't
have to prove it on the basis of their accounts and in which the
customer is required to put forth no documents as proof.
Self-certification
mortgages are for people whose income is difficult to assess using
the standard methods adopted by most conventional mortgage lenders.
They allow you to 'self declare' your earnings.
If
you cannot prove your income or have incomes from various sources,
we can help with a self cert mortgage which are available for both
employed and Self Employed. We have access to the full range of
self certification mortgages, including true self cert, were no
contact is made with your employer or accountant. We can even help
you if you have mortgage arrears or CCJ’s .
If
you wish to discuss exactly how these mortgages work, do
not hesitate to contact us.
Please
complete our simple self cert enquiry
form or
speak to a mortgage adviser on 0151
428 5204 this service is free and does not place
you under any obligation.
Self
Cert Mortgages | 
