Best mortgages for the self employed, contractors, freelancers and other people who don't fall within the normal lending criteria of most lenders.

The self employed have been penalised in the past for their status, either charged higher rates or rejected entirely as lenders regarded them as higher risk than their full time, employed counterparts. Fortunately, there are mortgage lenders that realise there is a growing number of self-employed people, many of whom make ideal borrowers, who have different needs to those who can rely on a regular income.

The benefits of using a broker

The main advantage of using a broker is that you could potentially save yourself time and money. A specialist self employed mortgage advisor will know exactly those lenders that will accept you as a self-employed borrower and those that won’t and they have access to exclusive products, many of which are not available on the high street including self certification mortgages. 

All the shopping around will be done for you to ensure you get the best deal possible. The market will be scrutinised thoroughly, from high street lenders to smaller specialist lenders. Simply complete the online enquiry form for a FREE no obligation quote.

Self-Cert or not Self-Cert?

The principle of a self certification (or self cert) mortgage is simple. If you work for yourself, you cannot rely on a regular salary, payslips or a P60 to prove your income – so you don’t. You declare what you earn and the lender will lend you a sum accordingly, without you having to provide proof of income such as audited accounts.

You'll get advice as to whether the self cert mortgage route or the standard status  is most suitable for your situation.