Searching For A Self Cert Remortgage

When applying for mortgages a person will normally need to provide personal information and proof of their income this normally takes the form of 3 months payslips or 2 years of certified accounts. This can be difficult if a self employed  person has been training or the business hasn't been running too long. Another problem for self employed people is that they often earn a lot more than what is actually declared to the accountants or inland revenue.

However there is a way around this. A person can apply for a self cert remortgage these certification mortgages allow finance for people who find it hard to prove income. You don't need to be self employed to apply, company directors or even employed people that get bonuses or have seasonal changes in their income could apply.

To apply for a self cert re-mortgage we suggest using a mortgage broker or financial adviser as many high street lenders such as banks have not yet started lending in this way. The APR interest rate you qualify for will be slightly higher than that of other products where you prove income.