Why Self Certify?

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Why Self Certify?

Self Certification of income is a relatively new mortgage phenomena that has developed out of a desire on the part of the mortgage industry to help those self employed tradesmen, entrepreneurs and business owners who would otherwise be frozen out of the house buying process.

Approval can be within 60 seconds with some lenders and we can therefore set the ball rolling almost immediately. Make a NO OBLIGATION enquiry now!

Conventional mortgage applications ask for a never ending list of paperwork to verify your income and this has often proved very problematical for small business owners and the self employed who traditionally will take income in a variety of different ways.

In return for what is a minimum 10%-15% deposit, self cert mortgage lenders will, in most cases, waive the requirement for supporting income documentation. In most cases the providers of self cert mortgages are subsidiaries of the big High Street lenders and so you need not be concerned that you are borrowing from anything other than a mainstream financial institution.

Interest rates have become far more competitive in recent years in response to a potential mortgage market that has become ever larger with the advent of outsourcing and contract working in both the private and public sector. The Independent Financial Advisers at FreelancerMoney will charge none of the usual brokers fees and will handle the whole process on your behalf.

If you have ample income documentation it may be more beneficial for you to apply for a mainstream mortgage on a full disclosure basis as the interest may be marginally lower, but you must be sure that your documentation will stand the test of scrutiny by the mortgage underwriters.

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