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 the majority of all our self employed applicants no matter what their circumstances or self cert requirements. We appreciate the difficulties that people have when trying to find the most affordable self certification mortgages. As a specialist re-mortgage broker we have access to products which are not available on the high street and we can tweak existing products to make them suitable for you.

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

When you don’t have three years of trading accounts.
When you earn more than your accounts can prove
When you employment is seasonal or contractual work
When your employment is casual labour
You have irregular commission, bonuses or overtime payment
Your income comes from a number of sources

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. The chances are that you 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.

Each lender has very varied criteria, on what they will or won’t lend or what the most they are prepared to lend is. 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 will still have options for you.
Self-employed for less then 1 year – We will be restricted to fewer lenders, but lenders none the less. 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. But this historic treatment is no longer happening thanks to the specialist self certification lenders who Crystal Clear Home Loans work closely with. The criteria that self certification lenders use is somewhat different to that of a status mortgage, but times have changed, now it is a lot easier to find the right self certification mortgage for you.
If you are self employed, a company director, contract worker or freelancer it is likely that your income is minimised for tax purposes, you may also be unable 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; there is no need to provide any proof. Rather than providing documentary evidence such as accounts, P60s or payslips instead you simply certify that you have sufficient income to service the repayments. You could qualify for up to 95% of the property value. Beware though- lying about your income is a criminal offence.

In short, if you know you can pay a mortgage, but have difficulty proving it in the usual way, Crystal Clear Home Loans can help with a self certification mortgage which does not require evidence or proof of income.

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.