Self Cert Remortgages We are Experts in arranging self cert mortgages and remortgages for the self employed and other people who find it hard to prove their income. If you are self employed, and can't provide accounts.	Contract Worker More and more people are finding that the standard criteria of most mortgage lenders don't meet their own unique needs. Click here for our best Contractor deals.
Earning a variable income In short, if you know you can pay a mortgage, but have difficulty proving it in the usual way, you should be talking to us.	Employed Self Cert Mortgages Finding it hard to make your income multiples streach.
Refused Credit Mortgages If you have had past financial problems, such as a repossession, bankruptcy or a county court judgement search for a lender now.	Unusual Construction Concreate construction, Self builds, Thatched roof, Timber framed any unusal construction property we can source a mortgage for you.
Moving to the UK You have recently moved or are planning to move to the UK.	Shared Ownership Mortgage We can arrange your shared ownership mortgage even if you have had problems getting a mortgage elsewhere.
Glossary of Terms These Definitions are those commonly used within the lending industry. Some terms may have different meanings to other institutions.	Right to Buy The Right to Buy scheme allows you, as a council tenant to buy your home for less than its full market value. But don't know where to start?

A Self Cert Mortgage is designed to assist people who struggle to obtain a mortgage by conventional means.

Self certification (self cert) mortgages are available for both employees and the self employed. A self certification mortgage is simply where you state your level of income, and the lender accepts it. Some self certification lenders will simply ask you to state your "total income"; others will simply ask you to sign an "affordability declaration" stating that you can afford it. Normally no income checks will be carried out by the lenders to verify your income. We have exclusive schemes where you are only required to put down a 10% deposit with normal high street interest rates.

You may not qualify for a standard mortgage for all sorts of reasons. This may be because you are self employed or have irregular earnings, or your income comes from a number of different sources.

A Self Certification mortgage is where you confirm your income without the need for independent verification. Self Cert Mortgages are ideal for employed and self employed people where they find it difficult to prove their income.
If you've had a history of poor credit, you can still mortgage / remortgage though us. We have the experience and market knowledge to find you a lender who will provide you with a competitive mortgage.

Our self cert mortgage experts are on hand to find the best options for you.