No Proof of Income / Self Employed / Self Certification Mortgages

(Higher lending charges may apply)

What is self certification of income?

For many, it is difficult to prove total income for a number of reasons:

For the self employed and company directors, income can vary considerably depending on the success of the business and therefore the amount earned from year to year can be very different and therefore difficult to prove the most recent income.

It may be that you have only been in business a short while and have no accounts.

For the employed, total income is often made up of main job income plus other additional part time employment or self employment.

Therefore the lenders are quite happy to ask the client to certify their annual income without having to prove it.

Generally speaking, the majority of lenders are prepared to lend up to 85% of the value of the property but there are now a number of lenders happy to go to 90% loan to value.

We have considerable knowledge in this area – why not ask us to help.

Overall cost of comparison 7.5% APR - actual rate will depend on your circumstances. Please ask for a personalised illustration. Rate Correct as of 07/03/06