Self Cert Mortgage - Why Use Us

What you would have to do without a self cert mortgage broker support

Find the right self cert mortgage or remortgage

» Research all the different self cert mortgages and loan schemes available and hope you find a cheap self cert mortgage and one best one to meet your circumstances where you are not asked to formally prove you income when remortgaging or buying a house.

» Research all the different types of self employed mortgages and self certification mortgage rates to find the one most appropriate to your situation.

» Go to lots of high street self cert mortgages outlets for information on house purchase or remortgage on a self employed self cert mortgage basis and sort out which has the cheapest rate for a loan that suits you.

» Attend time consuming self certification mortgages advice interviews to check you qualify for your chosen lender's self cert mortgages schemes only to discover that they do not do self cert mortgages to a sufficient level. By a process of elimination you will find the right one…hopefully

» Check nothing has changed since you decided on a particular lender Wait for the adviser to assess your situation and get provisional approval of your required mortgage loan.

Once the mortgage self certification mortgage advice has been accepted you then have to:

» Sort out a reliable surveyor to check that your property purchase is sound.

» Find a solicitor who is experienced in conveyances and remortgages.

» Check that all the paperwork is correct and suitable to your house purchase or remortgage.

» Resolve any queries and problems arising from the self cert mortgage advice of your professional team.

» Ensure that you have anticipated all the upfront costs correctly and are aware of deposit requirements etc so that your house purchase can proceed.

» Then you need to sort out the physical requirements of moving home.

Here's how Click n go can help you with Self Cert Mortgage Advice

At Click n go we are able to use sophisticated software to source and apply for the best self certification mortgages loan that most closely suits your needs. We will go through your finances with you to ensure that while not formally proving your income you are able to afford the self cert mortgage payments without prejudicing your security after you take on the loan.

How we go about finding a self cert mortgage

Firstly using good independent self cert mortgage broker advice is not usually free or cheap. It is true that we charge a fee for our support but you can see below the advice we give and the support you get throughout the process justifies the cost.

The first way we can help you is to look at the whole self cert mortgage market, not just the high street, for the most suitable self cert mortgage non status loan using sophisticated software that is updated daily to give you the most accurate advice and cheapest self cert mortgage non status deals available in the market. We will use our professional knowledge to present you with the self cert mortgages that you will find most suitable. Remember not all self cert loan schemes are available to the public direct and that cheap is not always best. Some non status self cert mortgage schemes are available only through mortgage brokers and not to the public directly. It is because we trade as an independent broker that we can provide you with such a wide range of self cert mortgage products that will allow you to self certify your income for the loan in question.

We will advise you on the cheapest among the type of rates available (fixed, variable, capped, collared or tracker) and how they can benefit you. We will maintain long term contact with you to ensure that your changing needs are met once any fixed rate period has expired and support you through any changes that need to be made. We also ensure that the costs you are taking on are reasonable in your financial circumstances.

How quick is the self employed self cert mortgage advice process?

The second most important help we can give you is to ensure that you are supplied with quick, accurate and up to date mortgage advice. You will need only one detailed discussion with us to establish your situation once you have completed our short online application. This advice can be given over the telephone with written confirmation issued by us within 24 hours. We can source the right self employed self cert mortgage scheme for you from literally hundreds available in the whole market and not just the high street.

Once the initial discussion is completed we will obtain an offer in principle which will indicate how much the lender is prepared to lend to you provided the information obtained in our initial discussion is supported by satisfactory paperwork. A significant part of our mortgage advice is to ensure that you can afford the mortgage and are aware of the costs of buying a property. Many self cert remortgage schemes have a free fees offer which will help you to achieve as cheap a self cert remortgage as possible. Again we would point out that cheap is not always best and that it is the whole mortgage scheme that has to be considered not just the fees.

Supporting your self cert mortgage application

As your self cert mortgage broker we will monitor and ensure that the correct documentation is supplied to the lender to support the information supplied at the time of our self cert mortgage advice and the application in principle.

As we mentioned above our systems are updated daily to ensure that the self cert mortgage advice we provide is bang up to date. We will hear of any changes at the earliest opportunity and update you of its affect on your application to ensure you get a quick self cert mortgage offer with the least fuss.

Helping you find professional advisors

We have regular contact with the surveyors and their reports. We can advise on the type of survey you should consider and help with any issues that may arise and the ways to go about obtaining further information that may be required regarding damp, dry rot or structural problems etc.

We have a panel of solicitors that we have come across in our routine business. They are both experienced in the legalities of the house purchase process and have demonstrated to us that they can provide a reliable service. It is of course up to you to select from this panel and it in no way restricts your right to choose one of your own. Our panel solicitors will provide an estimate of cost to help you make your decision.

Once the offer has been issued we will check to ensure that it reflects the loan you require and help sort any discrepancy or problems.

We will help resolve and explain any queries raised by the professional advisers working on you behalf.

As part of our initial discussion we explain the costs involved and the likely amounts needed to fund your self cert mortgage purchase and explain when these amounts fall due. We also provide a budget calculator to check that the self cert mortgage is affordable on a monthly basis.

In doing all of this we enable you to concentrate on the property you want and the physical requirements of moving house and maintain you’re working life as normally as possible.

Our aim is to provide you with a complete self cert mortgage service so that you will know how much you can borrow, find you a rate that is cheap and suitable to your needs. You will be able to find the best property you can get and buy it with the most competitive and effective self cert mortgage loan available to you within the market. This will be provided in the minimum of time possible to ensure you win the race for your ideal property.

Remember the quality of our service is the strength of our business.