Self certification mortgages | Michael Knight Mortgages | Earls Barton | Wollaston | Irchester | Wellingborough | Northampton

Mortgages for the self employed and other people who find it hard to prove their income

If you're one of the estimated 3.2 million self employed people in the UK (according to Inland Revenue), or have working styles which differ slightly from the norm, you'll benefit from using my services as I specialise in arranging self certification mortgages & re-mortgages 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 certification 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 pay slips.

Find You the Best Self Certification Mortgage Deals
Whether you have a good or bad (adverse) credit history, help is available and I will do my best to get you the best deals. With a number of lenders in this market, I will take the time to shop around, trying to ensure you get the most suitable solution for your requirements and situation.

Simply complete the contact form and ask me for help.

Self Employed Mortgage Deals
Mortgages can cause one of the biggest headaches for the self employed, who constitute nearly 15% of the UK working population according to the Inland Revenue.

Whole of market brokers have access to an extensive panel of mainstream and specialist lenders in the UK who offer competitive rates and flexible mortgages specifically designed for the self employed and company directors. A range of self employed mortgage products are available which can be tailored to suit your personal circumstances. These mortgages are equally available to someone who has recently set up in business, or well established companies.

Exclusive Deals
Many of the mainstream and specialist lenders who offer mortgages for the self employed only accept business through authorised intermediaries and a number of the employed mortgage deals are not available in the high street. Help is available even if:

- you can’t provide two or three years’ accounts
- your accounts do not really reflect your current company position
- your accounts are constructed to minimise tax payable by showing the least amount of taxable net profit
- your drawings are reduced to enable a larger dividend income

Find You the Best Self Employed Mortgage Deals
Simply complete the contact form and ask me for help.

If you do not keep up repayments on your mortgage your home may be repossessed