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Mortgages and remortgages available at 95%, 90%, 85%, 80%, 75%, 70%, 65%, 60%, 55%, 50%. Loans available from £20,000 to £1,000,000+. Loan to values up to 75%. |
A self certification mortgage is a where a mortgage lender will make an offer based on what an applicant's potential earnings are rather than what income they can prove. Whereas standard mortgages in the past may have offered loans up to and in excess of 100% loan-to-value, self-certification mortgages require a deposit, with a maximum loan-to value of 95%, and nearer 75% in some economic climates.
Self certification mortgages are generally applied for by those who are self-employed and without 3 years full accounts. However, with changes in working patterns more people have found this option suits them, and a self certificate home loan may be suitable if you are employed with a variable monthly income, multiple incomes or investments.
Speak to a qualified partner mortgage loan advisers to see what type of cheap loan product would be most suitable for you. An adviser will help you to select the most suitable cheap loan for your circumstances whether you have accounts or not. With our partners you will be assigned a dedicated broker and processor who will work closely with your new lender, solicitor and surveyor to manage the process right through to achieving a satisfactory offer and completion of your mortgage loan.
