Self Certification

If you're one of the estimated 3.2 million self employed people in the UK, or have working styles which differ slightly from the norm, you'll benefit from using the services of a whole of market firm of mortgage brokers who specialise in arranging self certification mortgages & remortgages for the self employed, company directors, contractors and other people who find it hard to prove their income.

Historically lenders in the UK have taken a cautious view of the self employed, however a number of mainstream and specialist lenders provide a solution for the self employed through self certification mortgages. With a true self cert mortgage, you make a declaration as to what your income is, but you do not need to provide any proof. You simply state what your likely income will be, rather than providing documentary evidence such as accounts, P60s or payslips.

Exclusive Deals
Many of the self cert mortgage lenders only accept business through authorised intermediaries, and by using the services of a specialist broker, you'll get access to some exclusive deals which cannot be found in the high street. Discount, fixed rate and flexible products are available.
With so many Self Certification Mortgage deals available, it can be very confusing and time consuming deciding which the best product is for you. There are so many things to be taken into consideration when searching for a suitable true self cert mortgage. For instance, some products have "tie ins" or "overhangs", which may not make it cost effective, some have high arrangement fees, or high lending charges, etc.
At CML we are also able to help people with a poor credit rating, or CCJ’s or even previously been repossessed or made bankrupt.

Simply fill in our mortgage enquiry form and a qualified adviser will get back to you with the options available.