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Self Cert Mortgages - Self certification mortgages - any situation considered including bad credit. Apply today and our referred brokers will search over 100 mortgages for the right deal for you. Has your bank said no? No Accounts? Don't worry, as they are national whole of market mortgage brokers, they can help with self cert commercial mortgages. If you have no proof of income, are a new business start up, have defaults, a ccj commercial mortgage problem or adverse credit re-mortgage need, help is available with your UK self certification commercial mortgage.
Commercial Self Cert Mortgages. Has your bank said no?
We might be to help if ....
• Your accounts do not really reflect your up-to-date property portfolio
• You can’t provide two or three years accounts
• Your accounts are constructed to minimise tax payable by showing the least amount of taxable net profit
• You are unable to provide evidence of potential property values over a one or two-year period
• It’s hard to prove your income and your income is variable
We specialise in helping with problem or difficult cases. i.e. borrowers and companies who may not be acceptable to high street lenders due to past credit problems or the project does not meet the banks criteria. Fast mortgages - highly competitive rates on mortgages and re-mortgages for self-cert and self-employed. Good or poor credit history - complete one easy form to apply to the UK's top lenders.
Some self cert mortgages are better than others, and, if cash flow is a problem, it's worth checking out those that offer payment holidays and the facility to pay more when you can. It may well be worth speaking to a mortgage broker, as they can explain any intricacies, but be sure it is a reputable firm that are Authorised and regulated by the Finacial Services Authority.
Whereas standard mortgages typically offer a 95% loan to value, self certification mortgages almost always require a higher deposit: a loan-to value of 85% and, more commonly, 75% is usually offered.
Adverse Credit? CCJs, mortgage arrears, self-certified income or adverse credit? Contact us the mortgage and remortgage specialists.
Our referred brokers are experts in arranging mortgages, second mortgages and re-mortgages for people who have trouble obtaining credit. i.e. CCJ's, mortgage arrears, defaults, ex bankrupts, IVA's, no credit history. Self-certification for self employed. Whatever the problem they can usually help.
If you would like to discuss your circumstances in general terms, phone us on 01254 248156 or click here to complete a fast contact form SELF CERT MORTGAGES
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