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Call us Free on 0800 980 8616 If you are recently Self Employed, have not arranged up to date accounts or maybe your income comes from more than one source making it very difficult to prove, you may be able to Self Certify your income. Many lenders now allow Self Certification which means that you do not have to provide proof of your earnings although you may have to prove that the Inland Revenue is aware of you’re self employed status. You certify your earnings and the lender will not ask for proof of income. You should be aware that you must never over-state your income as this could have very serious repercussions. Some lenders will allow you to self certify your income up to a mortgage that is 95% of the purchase price. Some lenders are prepared to take up to 7 times your income and allow you borrow up to the full purchase price (100%) plus their own fees. Although the rates for these mortgages are usually higher than normal, they could well fit into your budget. Also some lenders do not require you to have any trading history at all providing you can you can prove your Self Employed status To find out more please make an enquiry and an adviser will call you back. *The overall cost for comparison is 6.9% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
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