I am self employed and need a mortgage

You may have found that being self employed you are finding it difficult to obtain a mortgage. Or you are being penalised by high street lender, either charged higher rates or rejected entirely as they regard you as higher risk than their full time, employed customers. 

Fortunately, there are mortgage lenders that realise there is a growing number of self-employed people, many of whom like you probably make ideal borrowers, who have different needs to those who can rely on a regular income. 

The benefits of using a broker

The main advantage of using a broker is that you could potentially save yourself time and money. We specialise in self employed mortgages we know exactly those lenders that will accept you as a self-employed borrower and those that won't.

We have access to exclusive products , many of which are not available on the high street including self certification mortgages. 

We have access to the whole of the market and will search for you to ensure you get the best deal possible.

Simply complete the online enquiry form for a FREE no obligation quote.

Self-Cert or not Self-Cert?

The principle of a self certification (or self cert) mortgage is simple. If you work for yourself, you cannot rely on a regular salary, payslips or a P60 to prove your income - so you don't. You declare what you earn and the lender will lend you a sum accordingly, without you having to provide proof of income such as audited accounts .

We are able to advise on whether the self cert mortgage route or the standard status  is most suitable for your situation.

If you are interested in gettin a free quote on a self cert mortgage contact our specialist mortgage team on:

0845 257 2492

or apply for an online quote now