Never better to look at self cert!

With the growth of home working, starting one's own business, self employment and "portfolio" working, straightforward lending based on a multiple of your employed salary now has a more appropriate alternative - "self certified" lending, or plain old "self cert".

Yet the world of self-employed mortgages can be a little confusing.

As with other sectors of the market, the various different products often get called various different things: self-employed mortgages, self-certification mortgages, non-status mortgages and so on.

To further confuse matters, there is substantial crossover between the different types, with some self-certification loans open to people in full time employment and others restricted only to those who are self-employed.

Yet - with changes in society meaning that there has never been a better time for mortgages to help - accessibility to mortgages for this market has never been better.

 

Dispel the idea that self cert is only relevant for the self employed. We have helped any number of people whose circumstances make "conventional" mortgages elusive, including:

* unsalaried company directors and contract workers (increasingly common in technology-based industries)
* commission-based workers (often in sales, recruitment etc)
*

people with seasonal earnings and those with more than one income

*

city workers or others who receive a high annual bonus or employees from other sectors such as the airline industry, who have complicated systems of bonuses and allowances that make conventional documented proof of income problematic.

*

borrowers on a low wage who have an inheritance fund or other family income and freelance workers

If you would like to explore your mortgage opportunities with us then call to discuss:

* your particular situation and income
* what mortgage options you may have
* what types of mortgage m ay be appropriate

Call us on 0845 130 3385or email us to discuss