Whether you are employed or self-employed we have access to products that are designed with you in mind. Our mortgage lenders specialise in self certification mortgages, for purchases and remortgages, up to 90% loan to value, when it is difficult to prove your income. Whether it's because your accounts don't reflect your profit or you work solely on a comission basis, even if you've suffered bad credit and mortgage arrears - WE CAN HELP
If you can afford to pay a mortgage but cant prove your income in the typical way we can help you apply for a mortgage that requires no proof of income.
With a self certified mortgage you don't have to provide accounts, pay slips or any other proof of income, instead you simply certify that you have sufficient income to service the repayments. You could qualify for up to 95% of the purchase price.
Even if you have adverse credit or previous arrears we have access to lenders who can help. We can help assist you if you have bad credit, you may have bad credit subject to any unpaid bills or mortgage arrears.
Innovative mortgage solutions are available which present you with a more flexible way to pay your mortgage when you are self employed.
If a flexible mortgage is important to you, payments can be tailored to meet your changing circumstances. So you can increase payments or pay lump sums when cash flow is good and reduce payments or take payment holidays when you need to. Self cert mortgages and having no income proof can be dealt with by us, let us call you or fill out our enquiry form.
We can help with many aspects of self cert and certification procedures for mortgages.
- Self Certified Mortgages
- No Income Proof Mortgages
- Mortgages with no accounts
If you are one of the estimated 3 million self employed people in the UK, or have different working preferences, you will benefit from using the services of an independent firm of mortgage brokers who specialise in arranging self certification mortgages and remortgages for the self employed, company ceo's, contractors and other people who find it hard to prove their income.
Historically lenders in the UK have taken a delicate view of the self employed, however a number of mainstream and specialist lenders who provide a solution for the self employed through self certification mortgages.
With a self certification mortgage, you make a declaration as to what your income is, but you do not need to provide any proof. You can simply specify what your likely income will be, rather than providing documentary evidence such as accounts, P60s or payslips.
The no proof of income mortgage market has developed alot over the last 5 years with many lenders offering innovative mortgage products to cater for the increasing demand of self employed persons.
You may not be eligible for a standard mortgage for all sorts of reasons.
This may be because you are self employed or have irregular earnings, or your income is generated from a number of different sources.
A no income proof mortgage is where you confirm your income without the need for independent verification. Mortgages for the self employed are ideal for self employed people or where income is paid by more irregular means such as gifted bonuses.
Here at A Mortgage 4 You we understand that finding a lender whilst having no proof of income can become frustrating, but we are here to help you.
