Self Certification Mortgages

For people who find it difficult to provide verification of their income, self-certification mortgages or re-mortgages can present an excellent solution. These type of mortgages require a signed declaration of your income but do not ask for proof, although you must be confident that you can afford to meet the repayments.

Self-certification is particularly suitable for the self-employed, company directors, those with second incomes, contractors or freelancers.

Mortgage companies will normally ask to see accounts over a minimum period of three years: a difficult proposition for many - especially those who have recently started trading - and people can find themselves excluded from getting the mortgage they want. The solutions we provide are flexible so that those with fluctuating income can cope with repayments and loans can usually be arranged up to 95% of the purchase price. People with good or bad credit histories can apply for self-certification mortgages.

We can negotiate very competitive exclusive self-certification mortgage deals which are not available in the high street. Contact us for your own personal mortgage comparison.