Self Cert Mortgage FAQs
What is a self cert mortgage?
A Self cert mortgage is where you confirm your income without the need for independent verification. Self cert mortgages are ideal for self employed people or where income is paid by multiple sources of income by irregular means and or bonuses.
How much deposit do I need for a self cert mortgage?
10% deposit is the minimum required by most lenders, a larger deposit can open the door to a larger variety of self cert mortgage deals.
How much can I borrow?
All lenders have their own way of calculating what you can borrow depending on the product you apply for. As we are all individuals there are products to fit all circumstances and your mortgage advisor will be able to find the right self cert mortgage for you.
Can I still get a self cert mortgage with bad credit?
Yes is the short answer, fill the enquiry form out and one of our advisers will conduct a full fact find to discuss your options?
I have recently become self employed how long do I have to wait to get a mortgage
6 Months is the minimum time, but most lenders require 1 years trading with projected figures to assess your eligibility.
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Self Cert mortgage is ideal if you are self-employed or have have
difficulty getting a mortgage from high street lenders. Clickngomortgages.co.uk
mortgage brokers have access to specialist self cert mortgage lenders.
We know which lenders are best geared up to meet the needs of the
self-employed borrower. Whether your shopping for a fixed rate mortgage,
capped mortgage, discounted mortgage, tracker rate mortgage or flexible
rate mortgage.
Our mortgage calculator can quickly work out how much you could
save by remortgaging with clickngomortgages.co.uk mortgage brokers.
18/03/08
Comments
Cheapest remortgages
Remortgaging means replacing an existing mortgage with a new one from a different lender and getting the cheapest remortgage available to you although it is not uncommon for people to say they have arranged the cheapest remortgage when they have simply taken a new remortgage from their existing lender.
18/03/08
Comments
Bad credit mortgages holders seek debt management advice
Ever since the bad credit mortgages fiasco that blew in from America the back end of last year, the world's economy has been in turmoil. Bad credit mortgages or sub prime mortgages as there more commonly known in the states have been headline news.
13/03/08
Comments
A few 100% mortgages lenders available
Many people still want a 100% mortgage. Many people still think you can borrow over the value of your property; these mortgages were available up to 125 % of the value of your property. 100% mortgages are still available, but the market is extremly limited.
12/03/08
Comments
Which bad credit mortgage is for me?
You first need to know what your credit rating is. Armed with this information you stand a better chance of ensuring you get the best bad credit mortgage. It's a mine field out there, knowledge is power. 1 in 4 people have a bad credit mortgage.
05/03/08
Comments
I require a first time buyer mortgage to get on the property ladder
You need the best first time buyer mortgage available, no doubt you will have a lot of questions to ask. First and foremost, what are the best first time buyer mortgage deals for first time buyers?.
