Self Cert Mortgage
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What is self certification? Self certification is the process where a client does not prove his income to the mortgage income. This is because he may have multiple jobs, get paid in cash, is self employed and has his accounts structured to minimise tax, or simply doesn't have the time to prove his income. It could be for almost any reason.
Why self certify? Client self certify because it is much easier than spending time getting all the paperwork for the mortgage lender, self certification is fast and very simply. Self certification mortgage rates tend to be slightly higher.
What if I have adverse credit? Not a problem - there are many mortgage lenders out there that will offer a mortgage or remortgage even if you have an adverse credit or bad credit history due to missed payments, ccjs, late payments, bankruptcy or IVA and defaults.
With a self certification mortgage you can be either employed or self employed. If you are self employed you do not even need an accountant or book-keeper. Self certification mortgage lenders are very flexible and the rates are very competitive.
Self certification mortgage is very specialist area in the mortgage market and our mortgage advisors have many years experience to handle these enquiries. Speak to one of our mortgage brokers today or better still just fill in one of our mortgage enquiry forms it only takes 1 min.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The overall cost for comparison is 7.1% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. There may be a fee for the mortgage advice. The precise amount will depend on your circumstances, but we estimate it will be 1.5% of the loan amount with a minimum fee of £500 added on to the loan.
Mayfair Consulting Limited is an Appointed Representative of The Mortgage Times Group Limited, 279 Tottenham Court Road, London , W1T 7RJ , which is authorised and regulated by the Financial Services Authority no. 303007.
