Many self employed clients do not fit the normal lending requirements of the High Street Banks. These may be contractors or freelancers for example and these groups often have difficulty in obtaining mortgages. Clearly this self employed group is only a small segment of the self employed market there are many others.

We are specialist in this area of mortgage lending and are often able to obtain exclusive mortgage deals for the self employed on a self certification bases.

Self Certification is designed to help a range of people that find it hard to document their income. This is may be because they don't pay themselves on a regular basis, or the fact you can declare your income to the revenue one year in arrears. These are common problems for the self employed when it comes to acquiring a mortgage. This is where a self certification mortgage can assist.

Self certification is available for PAYE, although it is more suited to the self employed. The lending criteria the mortgage lenders offer is now much tougher for PAYE applicants. This means that it only suits a very small number of employed people. There are only a very small number of mortgage lenders offering mortgages to employed individuals and couples.

House 2 House Finance will assist you by giving full advice for your self certification mortgage, so you will be aware of all options available to you.

By understanding the self employed mortgage market we will save you time and money by you not having to search the entire mortgage market yourself. You will not have to understand the lending terms as we will explain this to you jargon free.

So for jargon free mortgage advice on your self employed mortgage, speak to the experts.

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Your home may be repossessed if you do not keep up repayments on your mortgage

The overall cost for comparison is 7.8% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

House 2 House Finance & Insurance is an appointed representative of H L Partnership Limited which is authorised and regulated by the Financial Services Authority