Self Certification Mortgage are available If you are unable to show your earnings due to being self-employed, a seasonal wage earner, or anyone with irregular earnings such as a contract worker or commission-based employee, or in salaried employment with a supplementary source of income, an unsalaried company director, or varying other reasons - a Self Certification mortgage could be the best option for you. This mortgage allows borrowers to certify their own earnings without having to supply documentation, such as wage slips. You can apply if you are employed or self employed.

I need a select mortgage... re-mortgage buy to let self cert adverse

About 14% of the UK population is self-employed and numbers are growing - making this mortgage a popular choice. The market is becoming more competitive and deals are therefore improving. Some of our lenders we search use the same standard variable rate as they do for other mortgage borrowers. Most types of Self-Cert mortgages - Variable Rates, Fixed Rates, Capped, Flexible etc. are available.

Miles & Barr search the UK market for lenders who specialize in Self Certification mortgages, and offer you the best deals around. This saves you time and money but still lets you get the mortgage you need.

When applying for a self cert mortgage you will be required to state your expected annual earnings. You will not normally need to provide proof of income, but you will be required to sign a Self Certification mortgage application that asks simply for a declaration of income. Self certification mortgages normally require a higher deposit, but now some lenders can offer a lower loan to value. This will help a great deal if you have little funds available for a deposit.

For more information on buy to let mortgages call Miles & Barr today or visit your local branch.