All Entries Tagged With: "self cert mortgage"
Self Cert?
Self Cert could be the answer if you need a mortgage but can’t prove all of your Income. So don’t worry, you’ve got nothing to get stressed out about as our self certification mortgage brokers understand your dilemma completely.
Literally many thousands of clients in a similar, if not identical situation to you achieve their property [...]
How Easy Is It To Get a Self Cert Mortgage?
Essentially once you the borrower fits the lenders lending criteria, getting a self cert mortgage is no harder then getting a bog standard mortgage.
This is especially the case if you use The Bad Credit Mortgage Centre whose mortgage broker’s expertise lies in this specific arena. All we need to progress matters is initially to ascertain [...]
Credit Crunch Need a Mortgage Self Cert?
The credit crunch has had a huge effect on the mortgage sector and we’ve had many self employed people tell us they need a mortgage self cert, but with the credit crunch is it possible?
But first what exactly is a self certification or self cert mortgage?
According to the Council of Mortgage Lenders, a self-cert mortgage [...]
Mortgage Without Evidence of Income
Special schemes of mortgages without evidence of income requirements are available. These primarily take the following form:
First there’s self certified mortgages For the Self Employed. This consists of the self certification mortgage where, as an alternative to providing documentary evidence of their income such as payslips or audited accounts, they just need to confirm their [...]
Who is Eligible for a Self Certification Mortgage?
This is a difficult question to give a direct answer to as the very nature of self certification is that the situations that self cert can be the correct product for, are a wide and diverse range of situations.
The best approach to take is to give an example of where a self cert mortgage is [...]
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 [...]
