Self certification mortgages and self certification remortgages are useful financing options for those individuals looking to buy a new home or obtain a new mortgage in the UK.

Self certification mortgages are available for:
• The self employed
• Contractors
• Freelancers
• Company directors
• Commission based workers
• Employed workers with more than one source of income

For most full time employed people obtaining a mortgage and proving income is easy as they receive a monthly payslip to provide to the lender, but for self employed people and those with irregular income/bonuses it can be a lot harder.

Self employed people have an accountant to keep their tax bill down, but this has a negative effect as you need to tell the bank manager you make a lot of money.

In the UK there are specialist mortgage lenders available who do not operate on the high street but from large office blocks. They do not pay to advertise on television or radio and instead chose to market their mortgages through the intermediary market.

Here at J P Financial we can help arrange a self cert mortgage if you can not prove all of your income or your income is made up from various sources and not provable by way of payslips.

For more information to see if you qualify for a self cert mortgage speak to our advisers today. Lines open Monday to Saturday 9AM -7PM 1202 512340. If you would prefer us to contact you click on the contact us box enter your details now.