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Self Cert Mortgages 2012

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  • Self Cert Mortgages 2012

    I come across a lot of clients who believe they need a self cert mortgage in 2012.

    Now it's no secret that self cert mortgages have been removed for the residential market - although there are a couple of self cert lenders left in the buy to let mortgage market.

    That said, in most we are able to assist clients who believe they need a self cert mortgage when in fact they do not.

    Examples include -
    - being self employed for less than 1 year
    - being self employed with no accounts
    - only having an accountant's certificate to prove income
    - only having benefit income
    - only having pension income
    - having an income where no UK tax in paid

    There are many more examples of where we can assist.

    I just wanted to make it clear that whilst the self cert mortgage no longer exists - there are still plenty of options where we can make full use of the lender's flexible approach to income requirements.

    Proof of income is always required and our mortgage brokers will always act responsibly in ensuring that your mortgage is affordable bases upon your income.

  • #2
    Re: Self Cert Mortgages 2012

    How about being self-employed with no more than two years worth of accounts?

    Comment


    • #3
      Re: Self Cert Mortgages 2012

      Self Cert Mortgages 2012

      Hi Brian,
      2 years accounts is fine - we have lender's who will accept various options:
      - an accountant's certificate
      - signed accounts
      - SA302s

      It is always worth contacting us since each and every case is different and will be judges on its own merits.

      Thank you

      Comment


      • #4
        Re: Self Cert Mortgages 2013

        Hello Sean, we are looking to remortgage, however, as a Contractor, I am unable to prove my income, my credit history is absolutely fine, is there anyone out there who will consider a self-certification mortgage, please let me know if you can assist, Thanks in anticipation, Deanboy

        Comment


        • #5
          Re: Self Cert Mortgages 2012

          Good evening Dean,

          Can you please email me at [email protected] - in order to assess your application I will need to assess your contractor status.

          Comment


          • #6
            Self Cert Mortgages 2013

            I come across a lot of clients who believe they need a self cert mortgage in 2013.

            Now it's no secret that self cert mortgages have been removed for the residential market - although there are a couple of self cert lenders left in the buy to let mortgage market.

            That said, in most we are able to assist clients who believe they need a self cert mortgage when in fact they do not.

            Examples include -
            - being self employed for less than 1 year
            - being self employed with no accounts
            - only having an accountant's certificate to prove income
            - only having benefit income
            - only having pension income
            - having an income where no UK tax in paid

            There are many more examples of where we can assist.

            I just wanted to make it clear that whilst the self cert mortgage no longer exists - there are still plenty of options where we can make full use of the lender's flexible approach to income requirements.

            Proof of income is always required and our mortgage brokers will always act responsibly in ensuring that your mortgage is affordable bases upon your income.

            Comment

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