Self Certification Mortgages | Self Cert Mortgages.
Crystal Clear Home Loans are a specialist Self Certification mortgage broker. We have specifically picked the lenders on our panel to ensure we can help as many of all our applicants. We appreciate the difficulties that people have when trying to find competitive self certification mortgages. As a specialist re-mortgage broker we have access to products which are not available on the high street.
If you are looking for finance to start your own business then click here please.
Self certification mortgages are suitable for the self employed, contractors, freelancers, company directors, commission based workers and people with more than one source of income.
Mortgages for the self employed |
We can provide help in these
following typical situations
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If you’re reading this page the likelihood is that you are one of the estimated 3.5 million self employed people in the UK. You may have had difficulty finding a lender to help you with your self certification mortgages need. Crystal Clear Home Loans do the hard work for you. Let us shop around and find the right self certification mortgages for you.
Different lenders may have different criteria upon which they will agree to lend. One of
their main factors lenders look at is the length of time you have
been employed.
Self Cert Mortgages
Self-employed for more than 3 years - If you have been self-employed for more than 3 years then all self employed mortgage lenders would classify this as meeting their requirements.Self-employed for 2 years - If you have been self-employed for 2 years the availability of our lenders will decrease, but we may still have options for you.
Self-employed for less then 1 year – We will be restricted to fewer lenders. We understand how difficult it is to obtain a mortgage after the first years of trading.
Self employed customers have historically had a hard time when
applying to re- mortgage. Self employed customers are considered a
higher risk and as such are charged more in both upfront costs and
higher rates. The criteria that self
certification lenders use is different to that of a status
mortgage, but this does not mean we cannot find
the right self certification mortgage for you.
If you are self employed, a company director, contract worker or
freelancer it is possible that you may not be able to provide three years trading
accounts. As a consequence it can be difficult to secure the
mortgage you want.
With some self cert mortgages, you declare what your income is; the responsibility is yours to confirm you have sufficient income to service the repayments. Please be advised that this does not mean that you can lie about your income.
In short, if you know you can pay a mortgage, but have
difficulty proving it in the usual way, Crystal Clear Home Loans
may be able to help with a self certification mortgage.
Even if you have adverse credit or previous arrears we have access
to lenders who can help. Click Quote Me now to pass your
details to us, so that one of our experienced fully qualified
mortgage advisors can give you a free no obligation quote.
