UK
Mortgage Brokers Self-Cert Mortgages
UK Mortgage Brokers Self-Cert Mortgage
There
are dozens of mortgage lenders offering thousands of mortgage
products. Even so, if you are one of the UK's 3.3 million
self employed, you may still have a problem finding a suitable
mortgage on the high street. Mainstream banks and building
societies will not necessarily offer the self employed borrower
the best deal - if they offer anything at all. They prefer
to cater for the needs of the majority who just happen to
be in standard full time employment.
There
is a sizeable number of workers either self employed or currently
working on a short term contract. Whilst they are financially
sound it is often difficult for these borrowers to prove a
level of income to satisfy a mortgage lender. A handful of
mortgage lenders have recognised this and look to welcome
customers in these situations. These are the specialist lenders
who understand the needs of the self employed borrower and
continually look to improve the terms and features of their
mortgage products to meet the needs of the market.
For
example, whilst a mainstream lender will ask for up to three
years audited accounts from a Chartered or Certified Accountant
before considering a mortgage for the self employed, the specialsit
lender will be far more accomodating. Specialist lenders look
to provide innovative solutions to individuals, appreciating
that different working patterns require a more flexible approach.
It
is with this in mind that some lenders offer flexible mortgages
to take into account fluctuations in income from self employment
allowing the borrower to 'Self Declare' their earnings without
the need for audited accounts. However it is not only the
self employed who can benefit from this type of mortgage.
Employed customers who do not wish to prove their earnings
by means of payslips or a P60 can take advantage of a 'Self
Cert' mortgage.
Why
spend hours searching the internet for the best deals available
when UK Mortgage Brokers will do all of the work for you and
not charge you a penny. All applications will be looked at
by experienced underwriters who arrange the best mortgage
deals available saving you time and money. You will be treated
with the courtesy and respect you deserve with UK Mortgage
Brokers.
Whatever
your circumstances UK Mortgage Brokers will try to help you.
They will not put you under any pressure and you can cancel
your application at any time with no penalties or costs due.
UK Mortgage Brokers will reply to your enquiry within 24 hours
so you won't be left wondering what is happening with your
application. You are under no obligation at any time and UK
Mortgage Brokers will keep you informed of progress every
step of the way.
For
further information on a UK Mortgage Brokers Self Cert Mortgage
visit the UK Mortgage Brokers website.
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