If you live in the UK & are self employed, run your own business, a seasonal worker or sub contractor then you may have already experienced or expect difficulties when applying for a self employed mortgage.
In the past many UK lenders have rejected self employed borrowers or charged them a higher rate than usual mortgage customers.
However, as more and more of us are becoming self employed and many of us are now working from home, mortgage lenders have realised that many customers have different requirements which has resulted in a growing demand for the Self Employed Mortgage & Mortgages For First Time Buyers.
Here at Self Employed Mortgage .org.uk we compare mortgages from the whole of the market which means we obtain your quotes from many of the UK’s largest & leading self employed mortgage providers.
Self Cert Mortgages, also known as Mortgages for the self employed are unlike the conventional mortgage, you do not have to declare your earnings with payslips, P60 etc but rather you just declare what you earn and the mortgage lender then calculates the risk and amount they are prepared to lend you.