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Welcome to Alan Bell Mortgages Ltd
Self certification mortgages are suitable for the self employed, contractors, freelancers, company directors, commission based workers and employed people with more than one source of income.
With a "self cert mortgage" you don't have to provide payslips or accountants' statements to prove your income.
Self employed customers have traditionally found it difficult when applying for mortgages - but now there are a vast number of lenders specializing in "self certification".
Self-certification mortgages are not just for the self-employed. If you have more than one source of income, or you may wish to include state benefits, commission or bonuses or even income from a second job, then this type of mortgage may suit you.
Lenders generally require a deposit for this type of mortgage and a higher interest rate maybe charged to cover their risk because you are not required to provide evidence of your income.
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.
Please feel free to contact us and we will endeavour to fulfil all of your requirements. We will deal with your enquiry in as flexible a way as possible, whether that is face to face, by telephone, post or
email info@alanbellmortgages.co.uk.
Self Certification - The overall cost for comparison is 7.8% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
