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self cert mortgages 2018
Self Certified Mortgages 2018 - Self Cert Mortgage Alternatives
Need a self cert mortgage 2018? Our self cert mortgages 2018 are just the answer! See some of our available options below

  Self Cert Mortgages - Borrow up to 85%

Self Certified Mortgages Alternatives - Self Certified Mortgages Alternatives 2018

We can accept adverse credit with our self cert deals

Remortgages and Secured Loans>>

In most cases we can secure your self cert mortgage using one of our flexible income options - these
include being self certified for 1 year or less (in some cases see below) - using just an accountant's certificate
and many more.
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  Yes! - All Bad Credit Considered - No Credit Checks at Quote Stage
  Secured loans - self cert option available
Call Free 0800 612 0466
  Accountant's reference Only - we can accept an accountant's certificate with no accounts required
Free Initial Quote - Free From Mobiles and Landline
In most cases we can secure your self employed mortgage using the flexible
income options below -

  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
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!
  Use your latest profits - these are usually your largest profits - enabling you to borrow more !
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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.

Borrow up to 85% - very competitive rates - free quote no obligation!

  Buy to Let Self Cert Mortgage Alternatives
     Use Rental Income Only !

Buy to let Self Cert Mortgage Alternatives :
Get Your Free Mortgage Quote Now - Call O8OO 612 O466
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0800 612 0466
Free from mobile & land line
click here >>>
Request a Call or Email Back
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  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

  Use rents income only
  Yes! - All Bad Credit Considered - Contact Us Now !

Residential & Commercial Deals - All Bad Credit Considered

self certified mortgages
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.
self cert mortgages call now

Self Cert Mortgages 2018?

Self Cert Mortgages - We May Have the Solution

Rebecca Wilkins is Principal at Red Brick Mortgages & Protection

Years of Experience - Self Certified Mortgage Alternatives 2018
Competitive Rates and Fees
Get Your Free Mortgage Quote today!
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Free Quote - Free Phone
0800 612 0466
Free from Mobiles and Landlines - Call Us Today!

Self Employed & BTL Welcome!

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
YOU MAY QUALIFY FOR ONE OF OUR SELF CERT MORTGAGE ALTERNATIVES - SELF CERT MORTGAGES NO LONGER EXIST
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Most Recent Reviews (9)


Mr Uddin

"Thank you very much for this, you've done something that many have failed to do!!!"

Mr Osunde

"I am pleased to inform you that our mortgage has been completed today. I am immensely grateful for all your support and level of professionalism. Again, you have shown excellence at its best!."

Salima Bandali

"It was by luck that I came across Red Brick, we had tried everywhere with no avail. From the first contact it has been totally stress free! A very approachable and personable team. With a picture of not being able to move for the betterment of my family to dreaming of shopping for our new home, it is down to this company in making it a reality. I have done and will continue to recommend them as the only port of call."

Rana Dhillon

"Not a straightforeard case Sean has worked hard to try to secure my mortgage all the work he put into my case looks like its going to be worth it would definitely reccommend red brick and will be using them in the future thanks Sean"

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..."
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Home

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Self Employed

Buy to Let

Secured Loans

Bad Credit

Updated by:

Rebecca Wilkins

20/02/2019

SELF CERT MORTGAGES 2018

A few years ago there was a lot of talk and hype about self cert mortgages, but can you still get one in the UK in 2018?
The answer to that question is no, as self cert mortgages have now been barred.

However, they are still available from lenders in Europe in 2018 but if you choose to go down the self cert mortgage route, then the recommendation from the Financial Conduct Authority (FCA) would be that you get plenty of advice beforehand from a reliable UK mortgage expert.

What were self cert mortgages?
As you might guess from the name, a self certified mortgage meant that the borrower detailed how much money they earned when they applied, without providing any supporting documents.

In the past, they were used by self-employed people with income from different sources and those with a low salary but with high commissions.

Why have self cert mortgages been banned in the UK?

Self cert mortgages were banned back in 2011 because it became evident that borrowers were being provided with mortgages that they could not afford.

Now lenders must be absolutely certain that applicants can make the repayments for the entire mortgage period.

The FCA has now put in place guidelines that compel lenders to carry out detailed affordability checks. They also have to see proof of income and "must not accept self certification of income".

So is it OK to get a self cert mortgage in 2018 from a lender in Europe?

Not necessarily; although this may sound like a good loophole to use, there may be problems. European lenders, such as those in the Czech Republic, can offer self certified mortgages in 2018 online, but it is not wise to ignore the risks.

Because you would be using a lender from outside the UK, losing your home may be more probable if you get into trouble and are unable to keep up with the mortgage repayments. Your self cert mortgage from Europe would not be regulated by the UK FCA hence it would have far less protection.

You would have no guarantee of being treated fairly if you got into financial difficulties, the Financial Ombudsman Service for complaints would not be made available to you and the FCA will not be able intervene as the self cert mortgage would be subject to the regulations of the country in which the lender was based.

Finally, if your adviser in Europe recommends a self cert mortgage that you cannot afford, you will not be entitled to claim compensation.

As the same time, lenders in Europe have restrictions imposed upon them and can only be contacted online. You will not be able to phone them for assistance.

Proceeding with a self cert mortgage in Europe
For those prepared to take the major risks involved, the FCA strongly recommends the following:
Before proceeding, talk to a UK regulated mortgage adviser
Read the terms and conditions and look at what protection the mortgage would offer
Investigate how the self cert lender would deal with you if you missed payments
Be sure as to what fees you will have to pay
Ascertain who they are regulated by
GET YOUR FREE QUOTE TODAY - CALL REBECCA - FREE PHONE 0800 912 0466
CONTACT US NOW - WE ARE ABLE TO ADVISE ON YOUR BEST WAY FORWARD !