Self Certification Mortgages - Self-Certified, Self Cert, Self Certify
Self Employed Mortgage - any situation considered including bad credit. Apply today and we will search 100's of mortgages for the best mortgage deals for you.
Has your bank said no?
We might be to help if ....
* your accounts do not really reflect your up-to-date property portfolio
* you can’t provide two or three years accounts
* your accounts are constructed to minimise tax payable by showing the least amount of taxable net profit
* you are unable to provide evidence of potential property values over a one or two-year period
* it’s hard to prove your income and your income is variable
* you have a weak balance sheet
* business start up
Adverse Credit?
CCJs, mortgage arrears, self-certified income or adverse credit?
Contact us the mortgage and remortgage specialists.
- If you are self-employed?
- Less than 3 years accounts?
- Prepare your own accounts?
- No need for us to contact your accountant for confirmation of income?
We search the UK's best mortgage rates for people with credit problems e.g. CCJs, defaults, arrears, poor credit scores, IVAs, bankrupts, self employed, self certification.
We specialise in helping with problem or difficult cases. i.e. borrowers and companies who may not be acceptable to high street lenders due to past credit problems or the project does not meet the banks criteria. Fast mortgages - highly competitive rates on mortgages and re-mortgages for self-cert and self-employed.
Good or poor credit history - complete one easy form to apply to the UK's top lenders.
Some self certification mortgages are better than others, and, if cash flow is a problem, it's worth checking out those that offer payment holidays and the facility to pay more when you can. It may well be worth speaking to a mortgage broker, as they can explain any intricacies, but be sure it is a reputable firm that are Authorised and regulated by the Finacial Services Authority.
Whereas standard mortgages typically offer a 95% loan to value, self certification mortgages almost always require a higher deposit: a loan-to value of 90% and, more commonly, 75% is usually offered.
We are experts in arranging self certification mortgages, second mortgages and re-mortgages for people who have trouble obtaining credit. i.e. CCJ's, mortgage arrears, defaults, ex bankrupts, IVA's, no credit history. Self-certification for self employed. Whatever the problem we can usually help. If you would like an online mortgage quote or you would like to speak to a mortgage advisor, phone us on Tel. 01254 660101, our lines are open 9am - 9pm Monday to Thursday and 9am - 5pm Friday - CLICK HERE - to view the best UK rates for self certification mortgages
As National UK mortgage brokers we can help with enquiries from England, Scotland, Wales and Northern Ireland. Professional Mortgage Connections Limited are Authorised and regulated by the Financial Services Authority. We advise on commercial mortgages, including buy to let and other products and services which may not be regulated and because they are outside The Financial Services and Markets Act 2000, there may be no compensation scheme for such products and services.
Copyright (c) 2005 Professional Mortgage Connections Ltd.