Self Certification Mortgages and Remortgages from U.K. lenders

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Self certification mortgages are available for both employees and the self employed . A self certifcation mortgage is simply where you state your level of income, and the lender accepts it. The Mortgage Arrangers can direct your enquiry to an experienced Mortgage Board registered intermediary who can act on your behalf in securing a "decision in principle" for a mortgage, where you are having difficulty because of lack of acceptable proof of income, or self employed acounts. 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. No income checks will be carried out to verify your income. The key lies in the size of your deposit. The bigger the better. An absolute minimum of 10% of the purchase price is needed, but larger deposits access lower rates !

Just fill in the form below, and we will get back to you as soon as possible. Please give us as much details as possible. There is a further information box at the bottom of the form that will allow you to type in as much as you need to. A daytime, landline, phone number will greatly assistance us, should we need to clarify any of the details you have sent. At present there is no charge for this service - as your personal broker will get paid by the lender not the borrower. See some of the lenders that participate in self certification mortgages at the bottom of the page.

THE MORTGAGE ARRANGING SERVICE IS FREE OF BROKER FEES

Name
Address
Postcode
Day Time Phone
Home Phone
Fax
Email
Applicant 1 (date of birth)
Applicant 1 Smoker ?
Name Applicant 2
Applicant 2 Smoker ?
Applicant 2 (date of birth)
Mortgage/remortgage
Mortgage Amount required £
Valuation/purchase price £
Term	Years
Applicant 1 Employed/self employed
Applicant 2 Employed/self employed
If any Applicant is self employed please state how long self employed and the net profits for the last 3 years with corresponding dates
Existing Mortgage lender
Salary Applicant 1 £
How many years/months at current employment?
SalaryApplicant 2 £
How many years/months at current employment?
Do you have any other loans /credit.
If yes, please enter how much per month is payable on them, and remaining months until finished, (unless they are to be cleared from the remortgage money or other funds, in which case, type in "will be cleared" immediately after those loans that this applies to)
Type of Mortgage required if known :
Repayment method, if known:
Do you have any adverse Credit i.e. loan defaults, ccj's
or past problems with: Credit/County Court Judgements IVAs/Bankrupt
If yes to either of the above two questions, please give details below. In the case of a ccj, please state the number and value of the ccjs, and the number of months since satisfied. If not satisfied ..say so.
Any other relevant information?

The List of Self Certification Mortgage Lenders

UCB (division of Nationwide) ... Abbey National ... Halifax ... Royal Bank of Scotland ... Bank of Scotland ... Birmingham Midshires (BM Solutions) ... Kensington Mortgages ... Platform Home Loans ... Southern Pacific Mortgages (SPML)... The Mortgage Business (TMB) ... Chelsea Building Society ... Bristol & West ... Preffered Mortgages ... First National ... The I Group ... GMAC ... and many more .....

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.