Self Certification Remortgage
If you are looking for a Self Certification Remortgage, Remortgage Here gives you access to 1000's of different lenders & mortgage products which means you get the best possible deals. Simply Apply Online and Remortgage Here will search the market for you.
Reasons To Apply Self Certification Remortgage
1. You will have access to many of the top lenders and the best remortgage products available.
2. You will get quotes fast.
3. You can raise finance on your remortgage for any purpose you like.
4. You get the lowest possible rates - guaranteed.
5. You have no obligation to accept any offers - You are always in control.
Self Certification Remortgages
A self certification remortgage is one in which you are able to declare your income without having to show substantial proof that you earn it. This type of mortgage is best considered if you have difficulty proving your income. You can apply for a free low rate self certification remortgage here.
In general most lenders perceive self certification of income as a greater risk and so will offset this risk by charging a slightly higher rate of interest.
In general a self cert remortgage will usually be subject to a maximum loan limit of 90% of the properties value. This also reflects the lenders perception of higher risk in comparison to an individual that can prove their income.
Lenders are now more realistic when looking at affordability and will take a balanced view of both your income & expenditure. It is recognised that many people have income from a variety of sources and this is often quite difficult to prove by the traditional means.
Self certification has been designed for the increasing number of self employed individuals in the UK market. If you can prove your income by way of audited accounts amongst other things, then you will require a status mortgage.
Self cert mortgages are not for falsely inflating your income but for genuine circumstances such as non guaranteed overtime or bonuses or a sole trader not required to have audited accounts.
Each self certification lender's criteria will differ hugely however income confirmation is not usually required. The income figures must be shown in the application form which will be signed off by the applicant. Sometimes certain lenders will wish to contact your employer (if employed) or accountant to verify the information regarding how long you have been employed or in business, but not how much you earn. Some lenders will not make any contact at all.
We will act responsibly and in your best interests during the application process to help find you the most suitable self cert Remortgage.
A thorough financial assessment will be carried out to ensure that you can afford to repay your self cert remortgage. Apply for a self cert remortgage quote here.
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