All Entries in the "Self Cert" Category
Self Certified Mortgage Company List UK – Is There One?
Unfortunately, there is no specific self certified mortgage company list UK in any directory at present.
However, our specialist knowledge has enabled us to help many of the millions of UK householders in the various aspects of self certification, self certified or self cert mortgage procedures.
The main help falls within the following three categories:
Self Certified [...]
How To Buy A House With Bad Credit and No Proof of Income
The question; how to buy a house with bad credit and no proof of income is often asked and it’s becoming more and more difficult to answer due to the financial problems emanating from the worldwide liquidity crisis.
It’s particularly true today that if you’re self employed, a contractor or a freelancer and don’t have a [...]
Is Self Cert Mortgage The Only option?
The self employed, contract worker and freelancers are no longer seen by the financial mortgage market as pariahs. We’ve seen both high street banks and building societies acquire a great deal more experience in contemplating providing solutions for potential clients who work for themselves.
The high streets banks and building societies have together become more and [...]
Why Are Self Certification Mortgages Important?
The Financial Services Authority recently released figures that showed that self certification mortgages accounted for nearly seven percent of the total mortgage lending market and this included bad credit self cert mortgages.
It’s often argued that without self certification mortgages and bad credit self certification mortgages in particular a lot of the self employed or small [...]
Bad Credit Self Cert Remortgage
A bad credit self certification remortgage is often known as a ‘self cert’ or ‘non-status’ bad credit remortgage.
It’s been created for the ever expanding volume of self employed applicants who sometimes find difficulty providing proof or evidence of their income but also may have some poor credit such as credit card defaults, arrears, CCJ’s etc
As [...]
Self Cert Mortgage Service for the Self Employed with Bad Credit
For many years the self employed, contract workers, freelancers and certain employees who receive their wages via bonus or commissions payments have clearly been discriminated against by the high street mortgage lenders.
The purpose of a Self Cert Mortgage is to break down the barriers that have historically faced people who find it tricky to prove [...]
Self Cert Credit Crunch and Bad Credit Mortgage Offers for the Self Employed
Only a few months ago it was relatively easy for those with no proof of income to get a true self certification mortgage from a wide range of lenders to very high loan to value ratios (LTV’s) even if they had adverse credit and had to go down the bad credit self cert remortgage route.
However, [...]
Self Cert Adverse Or Bad Credit Mortgages Are Possible Even With CCJ’s, Arrears, IVA’s
The self employed can self cert even though they have no proof of income to get an adverse or bad credit mortgage even if they have seriously poor credit due to arrears, ccj’s, arrears or even an IVA (Individual Voluntary Arrangement).
Most lenders have traditionally required the self employed to have an accountant. The purpose [...]
