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Self Cert Mortgage UK
A self certified mortgage UK is a type of mortgage whereby the lender allows the borrower to certify their own earnings without having to supply proof of income documentation, ie accounts, payslips. P60's etc.
With approximately 15% of the UK population now being self employed self certified mortgages uk are now becoming increasingly popular.
Over the years more and more lenders have entered into this market which has made this type of mortgage increasingly competitive.
A self certified mortgage uk is the ideal mortgage for whose who are either self employed, or employed but have an irregular income, maybe because of bonuses or commission packages. They are also ideal for those who have several jobs, are seasonal wage earners or those who regularly undertake contract work.
There could be any number of reasons why you are looking for a self certified remortgage, ie, coming to the end of your existing special rate, looking to consolidate all of your existing credit, or looking to make that special purchase.
You should think carefully before arranging a remortgage to secure other debts against your home.