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Self Certification
- Mortgages without proof of income

If you`re feeling stuck in a mortgage "desert"
we just might have the answer!

Many mortgage lenders still have a very unflexible attitude towards contracted personnel and applicants with different forms of income.
In many occupations today, people may be asked to work to a short-term contract, rather than a full contract of employment.
This often has its advantages for the employers, but can leave the worker unable to obtain any mortgage facilities at all, as the job is not guaranteed to be permanent.

The Mortgage Helpline have a wide range of mortgages for most non-permanent occupations, including of course I.T. contracted workers and most contract-related positions. For self-employed and company directors, often accounts are not required to be shown as self certification of your income may be a possibility.

The Mortgage Helpline, a specialist independent provider of mortgage information, can identify almost instantly what mortgages could be available for you.
Please do call us on 01253 404154 for details.

As a general rule, if you have worked within your Profession or Industry for at least 12 months, then please do call us to obtain an approval in principal and a mortgage quotation.
Self certification mortgages are usually available to 90% of the property value, without any accounts being needed, and sometimes 95% may be achieved for certain occupations, such as I.T.

Where persons may have several sources of income, all too often lenders will only take account of just one income alone.
A good example could be where an applicant might have income from rented property, part-time work, other investments or from maintainance payments. A self cert mortgage might assist you here.
For advances of up to 90% of the property value, we can often arrange a mortgage without proof of your income being required.

(A good `credit background` is of course helpful; i.e. applicants should be free of loan defaults and adverse credit problems, but even if you have had financial problems, we should still be able to assist.)

Interest rates are extremely competitive too, and if you wish, we can help you find the ideal Flexible Mortgage to suit your lifestyle.

Please call us on 01253 404154 for latest information.

Please remember that your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it

Self employed without accounts?
Do you have income that is difficult to prove?