With literally thousands of mortgages to choose from it can sometimes be hard to see the wood for the trees. That's why we search through the whole market to find the best deals and only those that we believe offer great all round value for money.
Alternatively depending on your situation and deposit it is possible for us to source a mortgage for self employed with at least 1 years accounts.
Self certification mortgages are now a rarity as the Lending Market has taken a more careful stance which unfortunately doesn't help the Self Employed and those genuine borrowers who have a reasonable income but have problems providing the required evidence. The emphasis now, even more so than ever, is for all parties to provide that proof in the required form eg. Accountants certificates, Inland Revenue submissions even a projection of accounts based on say 1yr actual trading, income from a second job or bonuses, commissions or dividends. All income from all sources is taken into account, including rental income net of any mortgage payments funded by it. As always Deposit is key and a larger deposit greater flexibility is sometimes available.
As most lenders comply to the FSAs responsible lending requirements, their underwriters may ask for more information when your declared income does not match the lenders expectations.
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This APR relates to Self Certification mortgages - The overall cost for comparison is 7.3% APR. The actual rate available will depend upon your circumstances
Please ask for a personalised illustration.
Rate correct as of 17/06/2010 | |
Solicitors Fees
The Financial Services Authority does not regulate conveyancing activities.
In our experience £100's of pounds could be saved on solicitors charges for conveyancing all around the country.
As part of our processing of individual mortgage applications we can find very competitive solicitors (regardless of area) who are experienced in the property market - all at no extra cost.
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