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Mortgages for the self employed, contractors and freelancers
Self Certification Mortgages
If you are a contractor, self employed, a seasonal worker or sub contractor, you may find it difficult to borrow from high street lenders to the full extent of your earnings.
Self certification is often the most effective way for you to borrow to your full earnings potential if you are self employed.
At Stirling Mortgages, self certification is one of our specialist areas. We have access to the whole of the market in this area, and because we deal in it so often we have access to some of the best deals available.
True self certification means that the lender will not undertake any check of the income figure stated on the application by a prospective customer. In other words you, the customer, declare your own earnings and you do not need to provide any proof.
Self certification is now supported by an ever increasing number of lenders, including not only specialist lenders, but mainstream and even household names as well.
We can help you if any of the following apply:
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Mortgage with no accounts |
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Self certification mortgages |
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No proof of income |
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Recently self employed |
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Good or bad credit history |
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Contractors & Freelancers |
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Seasonal workers |
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Income from multiple sources |
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Low net profits |
Best Deals
With access to the entire mortgage market in the UK , you'll get advice on the best mortgages suitable for the self employed.
Whether it is variable, fixed, tracker, stepped tracker or capped, we can access the whole marketplace.
Exclusive & Special Deals
You'll have access to some special deals that are only available from specialist advisors.
Non Standard Employment
Many of our customer came to us as they were in non-standard employment and were struggling to get a mortgage.
If much of your income is made up of overtime or bonuses, or you are on short term contracts or have multiple occupations, many lenders will only consider 50% of these earnings when calculating your mortgage allowance.
We have access to a number of lenders who are much more flexible.
No matter what your circumstance with Stirling Mortgages you can be assured you are getting quality service, competitive deals and the best mortgage for you.
If you need to arrange a mortgage or remortgage, don't hesitate, call us now, on:
0845 257 2492
Or apply online now for a no obligation quote.
Get your fast, no obligation, mortgage, remortgage or loan quote now.
