Self-Employed Mortgages

Self certified mortgages

Arranging a self-certified mortgage

A self certification mortgage is generally used by someone who receives an irregular mortgage or has a hard time proving exactly how much their income is. People such as the self-employed, those in the entertainment industry and arts-based professions often choose to take out a self employed mortgage. Self employed home loans are more difficult to achieve than conventional ones: accountants may want to reduce the amount of profit the applicant is seen to have made, in order to reduce tax, but the applicant may want to show greater profits in order to achieve a larger profits.

“Alternatively, you could use the self employed mortgage service offered by We offer a convenient short-cut that will put you directly in touch with the right mortgage and home loan specialists, who have products that suit your self employment status and financial circumstances.”

Because the self certification mortgage system has been subject to abuse in the past, mortgage lenders tend to view them as having a larger probability of risk involved and the interest rates charged and consequent monthly repayments can reflect this. In order to find a good self employed mortgage, you will need to do a lot of research into lenders and make a lot of phone calls to find out who has the home purchase product you need.

Simply fill in our online enquiry form and we’ll use the information you give us to find mortgage specialists who have products that match your criteria. You tell us what you need, we’ll find the people who’ve got it and we’ll get them to contact you with a self employed mortgage quote.

You may also be interested to see other QuoteRack categories such as self employed business insurance and key person life insurance.

Self-Employed Mortgages - links

"The self-cert mortgages I looked at all had very high repayments. searched their database for home purchase specialists who had self employed mortgage products to match and I chose a very competitive product that suited my needs.”"

"’s service acted like a bridge between me and the mortgage lenders. I found a self employed mortgage plan in a very short space of time."