If you are self employed, a company director, contractor or have an employment type which makes it difficult to prove your income, you'll benefit from the services of a specialist mortgage advisor. They'll scan the entire market to find the right mortgage for you, whether that is a standard mortgage from a high street lender or a non status self certification mortgage. Simply contact us for a no obligation quote.

A specialist advisor will consider your circumstances and advise you on the right mortgage, choosing from many of the UK's leading lenders including high street names and some specialist lenders that you wouldn't normally come across. 

Self Certification Mortgages

Self certification enables those employed, self employed, seasonal workers and contractors to borrow mortgage funds to their full earnings potential. True self certification means that the lender will not undertake any check of the income figure stated on the application by a prospective borrower. In other words you, the customer, declare your own earnings and you do not need to provide any proof. Of course, information you provide on a mortgage application must be truthful and accurate.

SelfCert is now supported by an ever increasing number of lenders, including not only specialist lenders, but mainstream and even household names as well.

Research firm Datamonitor estimates that around 6 million people are in
employment types suited for Self-cert.

Best Deals
With access to the entire self cert mortgage market in the UK, you'll get advice on the best mortgages suitable for the self employed. Whether it is variable, fixed, tracker, stepped tracker or capped, a broker can access the whole marketplace.

Exclusive & Special Deals
By utilising the services of a broker, you'll have access to some special deals that are only available through intermediaries.

Non Standard Employment
Many people with non-standard employment struggle to get a mortgage. Much of their income may be made up of overtime or bonuses (which mainstream lenders will usually take 50%). Often people are on short term contracts or have multiple occupations (again many lenders will only take 50% of the income from a second job). It is for these people that self certification or indeed non-status mortgages is the only real way to secure the required funding.

Simply contact us for a FREE no obligation quote.