Self Cert Mortgages
Self Certification also known as 'no document' or 'no proof of income' mortgages

Mortgage sourcing system for finding suitable products
For self employed applicants and employed applicants with higher actual income than what can
be proven with business accounts or income references such as a P60 Payslips, it can be difficult to qualify
for the amount of mortgage required. While there may be enough income to afford the monthly mortgage payments each month, there may not be enough
income that can be proven on paper. For someone who is Self employed the accountant may have done an excelent job of keeping the profit
figures low to keep down the tax bill, but when it comes to applying for a mortgage the bottom line net profit figures are not strong enough
for the mortgage lender to base the loan on.
Self Cert Mortgages
Paying too much for your mortgage? Remortgage and save thousands!
A Mortgage lender will calculate the total loan advance they can offer based on the annual salary stated on
payslips (for employed applicants) or for self employed applicant upto 3 years accounts are often required where the net profit figure will be
used for the lending multiples.

Self cert loans for homeowners
Self Certification of income on a mortgage application can take into account the total
household income, that is earnings from cash in hand work, bonus comissions, investment income, offshore derived earning, and even money earned
online. For the self employed applicant he may declare total earnings, profits and even projected profits for new business lines.
Find out more on self cert mortgages here , or call us today to speak to a mortgage adviser. Freephone 0800 496 9595.
We can offer:
Self Cert Commercial Mortgage: Commercial Mortgages with no proof of accounts
Self Cert Bridging Loans: Finance the purchase of property from auction
Self Cert Development Finance:
Self Cert Property Development loans: Funding for new build property development
Self Cert Property Refurbishment Mortgages: Unique mortgages to purchase property for renovating to resale for
profit or BTL.
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