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 Self
employed mortgage
Being self-employed you may have difficulty getting a mortgage from a high street lender, despair not there are plenty of options available to you
Self employed people are sometimes treated differently because the lenders want to know what you earn, how you earn it and they may even want three years certified accounts.
You will find that lenders have different criteria for self employed mortgages and you will probably need the help of an expert mortgage advisor to help you through the self employed mortgage maze.
We have the expertise with lenders to ensure that we are able to source and secure the funds you need, at competitive interest rates.
Not being able to prove your income, or having an income that is not guaranteed to be a certain amount each month is what causes the problems when looking for a self - employed mortgage. If you are unable to produce audited accounts for the required period of time, then there is another option open to you - the self - cert mortgage.
This type of mortgage allows the borrower to declare their earnings and certify these themselves, the lender takes this as proof your earnings and bases their judgement of whether to approve the mortgage upon this.
It is important that you are realistic in the repayments you will be faced with, striking the balance between your earnings and repayment affordability is important, and is something that our mortgage advisers will help you with.
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