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Self Certification

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Want to earn money?

What is Self Certification?

This is whereby the amount that you can borrow is based on what you claim your income to be.

You will need to sign a legal document stating what your income is, but you do not have to prove it.

Used for people whose income is difficult to asses using the standard methods.

Bonuses, Commission, Seasonal work, More than One Income, Inheritance Fund.

Maximum loan to value of a property is 90%

What about You?

Self Employed

Contract Worker

Freelance

Employed with Bonus

It is very important to note that if you make false declarations and/or inflate your income on a mortgage application form you may not be able to afford your mortgage repayments. You may also face criminal prosecution for mortgage fraud. All applications will be subject to a feasibility assessment.

How We Can Help You

We deal with the whole market place

We will find you the best mortgage deal whatever your evidence of earnings

Depending on your circumstances - many high street lenders still offer mortgages

Access to specialist lenders who offer mortgages designed to help borrowers with non standard income

We Do Not Charge a Broker Fee.

Identity Theft

Self Certification Contact Request Form

Your Details Mr Mrs Miss

First Name

Surname

Telephone No Day Sat AM Eve (c alls before 8pm)

House Name / No

PostCode

Mortgage Requirements

Amount Repayment Interest Only

No of Years Fixed Rate Variable Rate

Value of Property

Who are You

Comments

Data Protection

Please type your initials in the box below to confirm you have read, understood, accept the:

Initial Disclosure Document (IDD) IDD - click here

Terms and Conditions Statement. Terms - click here

Initials

Click to Submit

Self Cert mortgages have come in for some criticism in recent years, mainly due to borrowers with incomes that will not allow them to obtain a conventional mortgage self certifying their incomes to obtain a larger mortgage. There is nothing wrong with a self certification mortgage provided it is obtained in the spirit of the guidelines it was designed for.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

THE OVERALL COST FOR COMPARISON IS 8.0% APR. THE ACTUAL RATE AVAILABLE WILL DEPEND UPON YOUR CIRCUMSTANCES. ASK FOR A PERSONALISED ILLUSTRATION.

Fineants Ltd is an Appointed Representative of Network Data Ltd, which is authorised and regulated by the Financial Services Authority. Network Data Ltd is entered on the FSA register (http://www.fsa.gov.uk) under reference 300 391.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. Not available to anyone under the age of 18.

Important - please download and print out our Initial Disclosure Document (IDD)

Fineants Ltd Registered Office 5 Jupiter House Calleva Park Reading Berkshire RG7 8NN Registered in England No 4743362