Self Employed The Mortgage Shop (Worthing) are experts at arranging mortgages and remortgages for applicants who are Self Employed or Company Directors. We have access to an extensive panel of both mainsteam and specialist lenders who offer both competitive rates and flexible mortgages.
Traditionally mortgage lenders have taken a cautious view of the Self Employed, however we have access to a variety of lenders who provide a practical solution for the Self Employed known as 'Self Certification'.
You should only certify income that you genuinely expect to receive. The income multiples that lenders require still apply and the lender will maintain the right to either refuse your application or require some evidence of your declared income if there is an obvious discrepancy between your declared occupation and your declared income.
The overall cost for comparison is 7%APR. The actual rate will depend on your circumstances. APR is variable, and based on a usual case.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.