Self Certified Mortgages UK

I get calls from people looking for self-certified mortgages UK who've been made bankrupt, who have CCJs (County Court Judgements) against their name, or whose credit history is patchy.

You can attempt to erase or ameliorate these black marks. Do your own credit check. Go to Equifax and Experian. As there may be different entries in each, order your credit report from BOTH sites. Ensure you give the same name and address as you normally have on your bills. If you moved recently (in the past two to three years), give your old address as well.

You're dealing with big computerised databases, and a big bureaucracy. They can only find what you tell them; if you give incomplete information, you may not get the whole picture.

You can also apply to the County Court if there are judgements lodged against you, to satisfy them, and have this entered in their records; it'll still count as a black mark against you, but it will be more of a dark grey instead.

Self certified mortgages uk enquiry

Your best way to find self certified mortgages UK is to use Google, and add 'stop' words to the query. Your query would look like this: self certified mortgages UK -USA -biz -"adverse credit", where 'USA' and 'biz' are words, and 'adverse credit' is a phrase, from type of sites you don't want in the search results.

Any self certified mortgages UK site on the internet you find should be scrutinised according to the following checklist:

• Has it got a company name?;
• Has it got a street address, rather than a P.O. box?;
• Has it got a telephone number?;
• Has it got a registered office?;
• How long has the company been in business?;
• How quick are they to respond to queries?;
• How far away are they from you physically?;
• Are company personnel mentioned by name on the site?

If you are self-employed, you may simply not be able to prove your earnings; you've no formal or recent accounts or accounts prepared by an accountant. A slightly larger deposit is required to reduce the perceived risk from the lending company's perspective.

Do you fit in any of the following categories? Then self-certified mortgages UK may be the one for you:

• Self-employed;
• Short-term or part-time employees;
• The low-salaried with other income or material assets which they depend on for future payment;
• Those with seasonal earnings;
• Those with more than one, low, income;
• Employees on a bonuses or commission system;
• Company directors who are unsalaried;
• City of London workers or others who get a large bonus annually;
• Contract workers;
• Freelancers;
• In brief, those without official documentation of regular income.