you are here: Homepage > Self Employed Mortgages >      Self Employed Mortgages       1st4 Self Certification Mortgages - If you're one of the estimated 3.2 million self employed people in the UK, or have working styles which differ slightly from the norm, you'll benefit from using the services of an independent firm of mortgage brokers who specialise in arranging self certification mortgages and remortgages for the self employed, company directors, contractors and other people who find it hard to prove their income    Complete Finance - Most of the mortgage lenders we deal with will let self employed self certify income - in other words, you declare your income and they accept the figures you provide.and The lender then works out if this income figure is enough to meet the monthly mortgage repayments.and No need for accounts or accountant's details. As long as they are satisfied you can meet the monthly repayments, this is sufficient....    Coulson Pritchard - Self-certification is one tool that makes the process of getting mortgage loan simpler for contractors and the self employed. Self-certification entails contractors to declare their own income, rather than providing documentary proof. Moreover, there is no requirement to produce pay slips or audited accounts to prove income...    Feesaver Mortgages - With around 15% of the UK population working in some sort of self employment there has developed a massive need for mortgage lenders to provide self employed mortgages. Over the last few years specialist lenders and mortgage packagers have focused on providing mortgages to self employed people. Indeed, lenders have developed new and innovative products that enable people without three years accounts to apply for and get a mortgage. It is now possible to get a mortgage even if you have been trading for just one day    Insolvency Helpline - For too long the self employed, contract workers and employees who are paid by way of bonus or commissions have been discriminated against by mortgage lenders. We aim to break down the old barriers that have traditionally faced those who find it difficult to prove their income    Moneypoint - There are millions of self-employed people in the UK. These people may have a problem finding self-employed mortgages from a high street lender. Those fortunate enough to be in standard full-time employment are basically guaranteed to be paid, and references from their employer can easily be obtained in proving their income. High street lenders may prefer this type of applicant as they see less risk involved...    Mortgage Beater - There are many benefits of being self-employed but getting a mortgage or re-mortgage isn't necessarily one of them. Lenders tend to like to see a number of years accounts that show consistent income and the likelihood that that income will continue. This is made more difficult as the self-employed tend to prepare their accounts with tax mitigation in mind rather than for obtaining finance......    Only Mortgages - A self certification mortgage is very popular for a self employed person whom cannot supply any proof of regular income as they would be the business owner. When applying for a conventional mortgage the lender would like to see your payslip's for the past 6 months before assessing the amount you can borrow. For self employed people lenders would ask for your yearly accounts which would give them a fair indication of your earning and borrowing entitlement    Quoterack - For the self-employed, contractors and freelancers, access to self certification mortgages is essential if they are to purchase their own home. Directors of start-up companies and those 3 years accounts to offer in a mortgage application, being able to self-certify their income could mean the difference between buying a home or not    Self Employed Mortgage - Workers either self employed or currently working on a short term contract account for a sizeable chunk of the UK workforce. Whilst they are financially sound it is often difficult for these borrowers to prove a level of income to satisfy a mortgage lender. A handful of mortgage lenders have recognised this and look to welcome customers in these situations. These are the specialist lenders who understand the needs of the non status borrower ........