Forget Self Cert Mortgages! All I had to do was show my contract and they calculated how much I could borrow from my rate.
My contractor mortgage was as simple as that, with no complicated forms to fill in, in fact most of it was done over the phone and by email.
Best of all, I got the same rate as I would have got on the high street, had I not been self employed. This rate was nearly 1% less than the rate I'd been on.
To get the same rates as the high street mortgage lenders give to those who aren't self employed, the services of a specialist are required. As they can possibly get the same type of deals for the self employed as the employed get.
The specialist I use, found several excellent mortgage deals for me to choose from. After making my choice, it was only a matter of weeks before the mortgage was completed and I was enjoying the benefits of paying less.
In comparison, the last time I'd applied for a mortgage, I found the whole certification route a stressful experience aswell as one which was costly.
To find out more about the specialist mortgage provider I use, drop me a email using the form below and I will send you my newsletter. Don't worry your email address is totally safe.
Self certified mortgages are not only expensive in terms of the rate you get but there's a lot of commission to be made for the providers and middlemen who tout this type of mortgage to the self employed. My advice is simple... forget self cert mortgages!
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