Get satisfied with a self certified mortgage

A self certified mortgage is the way to go if your income’s harder to pin down than a motorised jelly.

This wobbliness could be because you’re a bit abnormal. By that, we mean you don’t  work for a man called Ron in a big suit who loses his temper a lot. Like most people do. No, you’re different. You might work for yourself, be a company director (called Ron), or work on a contract or freelance basis. Good for you. Except when it comes to getting a self certification mortgage. Because, chances are, your income is carefully tailored for tax purposes, or you can’t come up with the right trading accounts.

You know that paying your mortgage would be a breeze. The good news is that we can get you one. And we won’t send any boys round in balaclavas looking for proof of income in your wheelie bin.

You just certify that your income will meet the repayments. Really. We trust you. Enough to offer you up to 95% of the purchase price. Even if you have or previous arrears. We’re like that. And we always visit our grannies.

Apart from the self certified mortgage, you might also want to look at a flexible mortgage. This is cool if you’re self-employed. One month, you might be high on the hog, the next the cash could be flowing like glue. So, bump up your payments when cashflow is good and cut them back when it’s not. Or even take a payment holiday. Or a real one. Devon is nice.