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Many Self Cert Mortgage Enquiries Qualify for a Standard Mortgage

Self cert mortgage alternatives

self certified mortgages uk

 • Buy to Mortgages - just use rental income - no other income
is required - making your buy to let mortgage faster and easier to complete

 • Self employed mortgages - 1 year self employed or less in some cases - use
retained profits to maximise loan size - accountant's references - many more options

 • Bad credit - all bad credit is considered - all of the options above still apply
with bad credit - having bad credit does not rule you out of being able to apply.
• We can accept adverse credit with our self cert deals

Self Certified Mortgages No Longer Exist - We Have Access to Alternative Solutions!

Self Certified Mortgage? We Have Alternatives!

Self Certified Mortgages

Self Certified Mortgages 2018 - No Proof of Income Mortgages

Our Self Cert Buy to let Mortgages Include :

 • Buy to Let Self Certified Mortgage? Just Use Rental Income Only !

 • Buy to Let Self Certified Mortgages - just use rental income - no other income
is required - making your buy to let mortgage faster and easier to complete

self cert mortgages

No proof of income mortgages

 • Secured loans - more flexible than a remortgage - same day approval - able to complete much faster than a remortgage in most cases

BTL & Self Employed Mortgage Options - Contact Us Now !
Below are Some of Our Flexible Income Options - We Have Many More...

Residential & Commercial Deals for BTL & Self Employed

Use Our Self Cert Mortgage Alternatives - Contact Us Now !
Flexible Income Options - Our Self Cert Mortgage Alternatives Can Help You Today

Self Cert Buy to let Mortgages

 • Buy to let mortgages - we have access to self cert buy to let mortgages -
i.e. buy to let mortgages that require no minimum income.
Get Your Free Self Cert Mortgage Quote Now - Call O8OO 612 O466

 • Self Cert Mortgage? Just Use Rental Income Only !

 • Self Cert Mortgages - just use rental income - no other income
is required - making your buy to let mortgage faster and easier to complete.

Contact us today on 0800 612 0466 or submit the online form above
We will answer all your enquiries and provide your Self Cert Mortgage 2018 quote free of charge and with no obligation

More on Self Employed >>

Remortgages and Secured Loans>>

In most cases we can secure your self employed mortgage using one of our flexible income options - these
include being self employed for 1 year or less (in some cases see below) - using just an accountant's certificate
and many more.
Just use rental income to secure mortgage.
No other income is required !
Our Buy to let Mortgages Features :
 • Buy to let mortgages - just use rental income only - no other income is required - we also have access to no minimum income buy to let mortgages.
With bad credit accepted it's always worth giving us a call !
We are able to provide bad credit options - our secured loans can ignore most
bad credit - plus if you have a 15% deposit then some lender's could look to
proceed with your purchase - even with bad credit.
Bad credit is accepted - depending upon your circumstances.
We can consider CCJs - defaults - mortgage arrears - bankruptcy - IVAs -
debt management plans - plus many more.
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 • Yes! - All Bad Credit Considered - No Credit Checks at Quote Stage

More on Bad Credit >>

 • Bad credit - all bad credit is considered - all of the options above still apply
with bad credit - having bad credit does not rule you out of being able to apply.

 • Self Cert Buy to Let Mortgages? Use Rental Income Only !

 • Self Cert Buy to let mortgages - just use rental income - no other income is required - we also have access to no minimum income buy to let mortgages.
self cert secured loans
no proof of income mortgages
non status mortgages
Here are some of our self cert alternatives -
Just use rental income to secure mortgage.
No other income is required !
Buy to let Mortgages :
If you just have rental income or a low salary
or profit and are wanting to buy or remortgage
a buy to let property then you have come to
the right place.

Self Employed Remortgages

Buy to Let Mortgages

2nd Mortgages

Remortgages

European self cert mortgages

Abbey self cert mortgages

Nationwide self cert mortgages

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Self Cert Mortgages 2018 - 1.75% No Proof of Income - Self Certified Mortgages Are Still Available 2018

Self cert mortgage alternatives - where flexible income options are
available - see some of our examples below - allowing you to
proceed with the flexibility you require: here is a summary of what
may assist you if you were looking for a self cert mortgage option:

 • Flexible Income Options

 • Alternatives to Self Cert Mortgages

 • Self Cert Buy to Let Mortgages - Borrow up to 85%

 • Bank statements - we can use just your bank statements to secure your self cert mortgage

Self Cert Remortgages

Self Cert Buy to Let Mortgages

 • No tax returns required - we can secure your self cert mortgage with accounts or an accountant's certificate

 • Self Cert Buy to Let Mortgages - Borrow up to 85%

Get Your Free Self Cert Mortgage Quote - Call O8OO 612 O466
 • Self Cert Options with no proof of income - contact us for more details
The number of self cert cases is growing - so we've made it our business to be experts in securing your self
cert mortgage - by offering you lots of self cert flexible income options - some are shown below.
Want a self cert mortgage? In most cases we can secure your self cert mortgage using one of our
flexible income options - these include self cert - being self employed for less than 1 year - and many more !
 • Secured loans - self cert option available
 • Self Cert mortgage your home - self cert options including 1 year
self employed or less - able to accept accountant's certificates - see more
on Self Employed and our self cert mortgage income options
We are able to offer self cert remortgages along with flexible income options
when it comes to raising money - here is a summary of what we offer:
 • Self Cert Buy to let mortgages - we can offer you self cert mortgages for buy to let remortgages - using just rental income to secure to self cert mortgage
Get Your Free Self Certified Mortgage Quote - Call O8OO 612 O277

Do Self Cert Mortgages Still Exist ?

With our self cert mortgages - most bad credit is accepted

 • Self Cert Options for All - Including the Self Employed

Self cert mortgages

Self cert mortgages 2015

Self Cert Mortgage Alternatives!!! Struggling to Prove Income??? No Need!!! >>> ALL Self Cert Mortgage 2018 Applications Considered>>> Great Success Rates >>> Buy to Let Mortgage Self Certified and Self Employed Mortgages Available

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Red Brick Mortgages & Protection
For All Your Mortgage Needs
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• Excellent Success Rates!
Telephone:
0800 612 0466
E-Mail:
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Rebecca@redbrick
mortgagesand
protection.co.uk
Contact Us Today
Call Free 0800 612 0466
 • Accountant's reference Only - we can accept an accountant's certificate with no accounts required

Self Cert Mortgages No Longer Exist

Posted by:

Rebecca Wilkins

0800 612 0466
Free from mobile & land line
click here >>>
Free Quote - Free Phone
0800 612 0466
Free from Mobiles and Landlines !
Any rates quoted above will depend on your circumstances - Ask for a personalised illustration. The purpose of this website is to provide technical and generic guidance and should not be interpreted as a personal recommendation or advice
Free Quote - Free From Mobiles and Landline
In most cases we can secure your self employed mortgage using the flexible
income options below -
Request a Call or Email Back
Contact Us Online Now
Click here >>>
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 • Self Employed - 1 Year or Less - Maximum Income Multiples - Maximum Loan Size !

 • 1 year self employed or less - some lenders can accept professions with less than 1 year self employed income
Get Help and Advice - Call
Just a sample of what we offer : we have many more!
 • Use balance sheet retained profits - this could greatly increase how much
you can borrow - without any tax implications since it is not dividend income !
 • Contractors - we have lots of contractor options - contact us today!
We will Email or Call You Later
• Competitive Rates!
• Difficult Cases Considered
• Quick Decision
Get Your FREE
Quote Today
 • Use your latest profits - these are usually your largest profits - enabling you to borrow more !
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1
2
3
Borrow up to 85% - very competitive rates - free quote no obligation!
Right now buy to let rates & fees have never been so low - this is due to lenders fighting hard to grow their share of the very competitive buy to let market.

 • Buy to Let Mortgage? Just Use Rental Income Only !

Buy to let Mortgages Include :

More on Buy to Lets >>

Home

Contact Us

Self Employed

Buy to Let

Secured Loans

Bad Credit

Get Your Free Mortgage Quote Now - Call O8OO 612 O466
The Financial Conduct Authority does not regulate some forms of Buy to Let mortgage

15/11/2018

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Policy

E-Marketing
Policy

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0800 612 0466
Free from mobile & land line
click here >>>
Request a Call or Email Back
Get Help and Advice - Call

Remortgages

Complaints - If you wish to register a complaint, please write to Complaints Department , Red Brick Mortgages & Protection, 50 Main Street, Lowick TD15 2UA. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complains is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.
Red Brick Mortgages & Protection and Self-certified-mortgages-123.co.uk are trading names of Rebecca Wilkins who is authorised and regulated by the Financial Conduct Authority and entered on the Financial Conduct Authority Register https://register.FCA.org.UK/ under reference 812821. Data Protection ZA469559. Business Address: 50 Main Street, Lowick TD15 2UA.
Redbrick Mortgages & Protection is a broker and not a lender
Rebecca Wilkins is Principal at Red Brick Mortgages & Protection

• Years of Experience - Self Cert Mortgage Alternatives 2018
• Competitive Rates and Fees
• Get Your Free Mortgage Quote today!
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Policy

E-Marketing
Policy

 • No other income required
 • Remortgage and purchase deals available
 • Professional landlords with portfolios
 • Secured loans - release your equity

Home

Contact Us

Self Employed

Buy to Let

Secured Loans

Bad Credit

Remortgages

 • Use rental income only

Reviews (5)


Adam Blair

"RedBrick Mortgages helped me to sort out my mortgage which was on a tight deadline. They made it possible to issue our offer in under 2 weeks. We can't thank them enough."

Muhammad Khan

"I held little hope of a mortgage – with recent defaults and pay day loans – RedBrick Mortgages did the research and sourced a deal that I could afford, and enable me to buy my first home."

Gizelle Tabafa

"We got our first mortgage with the help of RedBrick Mortgages ...they were so professional and patient with all our paper work that needed to be submitted."

Stephen Wallace

"My Buy to Let was not straight forward – yet RedBrick Mortgages were able to secure my loan within a few weeks and at the best possible rates – can highly recommend!"

Gurjit Sandhu

"We have already recommended RedBrick Mortgages to our friends that plan to get their first mortgage and i know they can help them..."
 • Yes! - All Bad Credit Considered - Contact Us Now !
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Residential & Commercial Deals - Bad Credit Considered

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You May Qualify for a Standard Mortgage

Contact Us Now to Discuss Your Options!









Self certified mortgages, often called self cert mortgages, are no longer available.
The FCA removed them in 2014 because they were felt to be a risk for the consumer.


That said - we still receive enquiries from people who believe they need a self cert mortgage when in fact their
circumstances may allow them to proceed with a conventional mortgage - along with competitive rates and fees.


It's always worth giving us a call to see how we may advise and help you with your mortgage application.

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Self Cert Mortgages Alternatives - Self Cert Mortgages Alternatives 2018

All Bad credit is considered - depending upon your circumstances we
may be able to help you.
We have years of experience with bad credit mortgage applications - we've seen
it all before and managed to achieve great success rates!
CCJs - defaults - mortgage arrears - bankruptcy - IVAs - debt management plans
are all considered - plus many more.
The guidance contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK
Quotes are provided free of charge - only once the client proceeds to the full application stage is an application fee incurred for which the client will be made fully aware of as per our Initial Disclosure Document and Fee Agreement signed by the client in advance.

Self cert mortgages – why their removal was a very positive move

And why being self employed offers a flexible approach to income that many lender's are able to embrace in today's mortgage market.


A self-certified mortgage or ‘self-certification’ mortgage was used often by the self-employed to secure a mortgage before the FCA removed them.

Self Certifying a mortgage was most popular amongst the self employed who wanted to self cert their income and be open and transparent about their
situation – many of whom had sporadic and irregular incomes.

Sadly, self-certification was used as a method of obtaining a mortgage that was often unaffordable and unsuitable – with many borrower’s going onto face difficulties in meeting their self cert mortgage payments.

This is why the media went onto describe self cert mortgages as liar loans – and only added to their bad name.

Clearly this was viewed by the FCA as placing the borrow in considerable risk – and so self cert mortgages were removed in 2014.

Today strict rules and regulations apply to both lenders and mortgage brokers in degerming the amount a borrower can lend – this applies to both the self employed and employed alike.

Mortgage brokers play a key part in determining and advising on how much a borrower can lend. Certainly there is more work involved in determining how much a self employed applicant can borrow – back in the days of self certification the process would have been easier.

The removal of self cert mortgages has to be seen as a very positive step in protecting the otherwise vulnerable borrowers.

Being self employed should not be seen as a hinderance to obtaining a self employed mortgage but rather a means of being able to present their case in a favourable and flexible manner.

For instance – a self employed income can increase year on year as the business grows – and there are several lenders out there who are able to consider
just the latest year’s income – ie the largest years income.

Or – lender’s able to consider just 1 year’s self employed income if it’s a recent start up business.

So – to recap – whilst some may see the removal of self cert mortgages as a hinderance to obtaining mortgage – these clients are at risk of not being able
to maintain their mortgage repayments and could look to subsequently lose their property.

And – if you are running a successful self employed business with either a steady or growing performance then there are many lender’s able to offer you competitive mortgages.

Nationwide self cert mortgages are no longer available.

Nationwide do however offer a range of flexible income mortgages.

Self Assessment Mortgages

Self Cert Mortgages 2018

Buy to Let Self Cert Mortgages

Some buy to let mortgages just require proof of rental income.

No other income is required in some cases.
No proof of income mortgages often referred to
as a self cert mortgage loan no longer exist
Abbey self cert mortgages are no longer available.

Abbey do however offer a range of flexible income
mortgages able to accept accountant references.

Alternatives to Self Cert Mortgages

Some lenders do provide flexible income options
and are able to accept the following:

Nationwide Self Cert Mortgages

Self cert mortgages no longer exist.

Our BTL mortgages and self employed mortgage options are able to assist in lots of cases.

All residential mortgages do require proof of income.

Some BTL mortgages require proof of rental income only.


Contact us now to see
how we can help you with your mortgage!

Self Cert Mortgages

No Proof of Income Mortgages

Non status and self cert mortgage lenders became unavailable along with self cert mortgages.

We know which lenders to approach in order to secure your flexible income mortgage.

Non Status Mortgage Lenders

Self cert mortgages 2018 - see alternative solutions to self cert mortgages above

Can i get a mortgage without
proof of earnings

Self Cert Mortgage Lenders

Both non status mortgages and self assessment mortgages are just another name for self cert mortgages

Abbey Self Cert Mortgages

Self Certified Mortgage Lenders

Buy to Let Self Certified Mortgages

Self Cert Mortgages Definitions -

Do Self Cert Mortgages Still Exist?

Some buy to let mortgages just require proof of rental income.

No other income is required in some cases.
Halifax self cert mortgages are no longer available.

Halifax do however offer a range of flexible income
mortgages able to accept accountant references.

Halifax Self Cert Mortgages

        Contact us for more information
Plus many more options.