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self cert mortgages 2018
European Self Certified Mortgages 2018 - European Self Cert Mortgage Alternatives
Need a flexible buy to let self cert mortgage? Our self certified buy to let mortgages are just the answer! See some of our available options below –
- Self certified mortgages for buy to let with competitive rates and fees
- Buy to let self cert mortgages using just rental income!
- With our buy to let self cert mortgages you can borrow up to 85% with no proof of income whatsoever
- Self certifying your mortgage is very common with a buy to let really helping you to secure your self cert mortgage

Self Certified Mortgages Alternatives - Self Certified Mortgages Alternatives 2018

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

• We can accept adverse credit with our self cert deals
 • Secured loans - self cert option available
We are able to offer self cert mortgages along with flexible income options
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Call Free 0800 612 0466
Free Initial Quote - Free From Mobiles and Landline
In most cases we can secure up to 85% on your self cert buy to let mortgage
alternative.

Meaning you can remortgage up to 85% - or if you are buying a buy to let then
you will only need a 15% deposit.

Not only do we have access to very competitive buy to let - we also have lots
of flexible options including:
• all bad credit is considered
• using rental income only
• low salary and low profit options

 • 85% Self Cert Buy To Let Mortgage Alternatives - Borrow up to 85% !

Self cert buy to let mortgage alternatives:

• just use rental income

• no other income required

Which can be especially useful if you are remortgaging or buying a buy to let property.

We have access to self certified buy to let mortgages where no minimum income
is required - e.g. a very small profit wage, or pension etc will suffice.

The above 2 options gives you a wide choice from the competitive range of self
cert buy to let mortgages - some with low rates and low fees.
Get Your Free Mortgage Quote Now - Call O8OO 612 O466
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Residential & Commercial Deals - All Bad Credit Considered

self certified mortgages self certified buy to let mortgages call now
Rebecca Wilkins is Principal at Red Brick Mortgages & Protection

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

Self Cert Buy To Let Mortgage?

Just Use Rental Income - No Other Income Required

Home

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Self Employed

Buy to Let

Secured Loans

Bad Credit

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Home

Contact Us

Self Employed

Buy to Let

Secured Loans

Bad Credit

Home

Contact Us

Self Employed

Buy to Let

Secured Loans

Bad Credit

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 BUY TO LET MORTGAGE ALTERNATIVES
FIRST TIME BUYERS AND NON PROPERTY OWNERS NEED OTHER INCOME - NOT JUST RENTAL INCOME

Portfolio & New Landlords Welcome!

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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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Updated by:

Rebecca Wilkins

20/02/2019

0800 612 0466
Free from mobile & land line
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Request a Call or Email Back
Get Help and Advice - Call
 • Low Rates & Lender's Fees Available - You could Save £000's
We have access to very competitive buy to let mortgage rates - they are
updated daily so it's always worth contacting us for our most competitive rates.

We have access to the whole buy to let mortgage market including high street banks and building societies as well as many exclusive offers.

Many high street banks are asking for very large arrangement fees, sometimes costing 3.5% of the loan amount - these are to be avoided!

We have access to buy to let mortgages with fees under £1,000 in many cases - depending upon your circumstances.

 • Professional Buy to Let Landlords - Portfolios Welcome !

We have years of experience when it comes to advising and arranging buy
to let mortgage portfolios.

In spite of extra regulations we are aim to ensure that:
• competitive rates and fees are achieved
• you secure the amount of borrowing you require
• your mortgage completes as fast and efficiently as possible

With our specialist knowledge & experience we aim to quickly resolve your case!
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BUY TO LET SELF CERT MORTGAGES

You may be looking for a BTL or Buy to let mortgage if you want to purchase a property to rent out to tenants.

Not the same as standard residential mortgages, the lender will want to know not only the value of the property but how much rent it will attract each month.

This rental income will be the key factor when it comes to the mortgage company deciding whether to provide you with funding and if so, how much.

For this reason, your own income i.e. salary is not such a major issue.

The amount of money loaned to you will generally be no more than 75% of the property’s value – sometimes increased to 85%. You will therefore need to cover the rest with a deposit.

What about personal income?
Because the rental income from the property is the key factor as far as the lender is concerned, far less weight will be placed upon your own personal income.

In this case, you will generally not need to look for a self cert buy to let mortgage.

When a buy to let mortgage is self certified, this means that the valuer will self certify the rental income, referring to similar properties in the area as a reference.

If lenders do ask for you to confirm a minimum personal income for the mortgage to proceed, then very often we can put you in touch with a lender who will provide a suitable buy to let mortgage.
 
But do remember that this will not always be necessary as long as the rental income is in the region of 125-130% of the monthly BTL mortgage payment.

Buy to let mortgage self certified
You do not need to worry at all if you are seeking a self cert buy to let mortgage as we deal with an extensive panel of lenders who will be flexible when it comes to your borrowings. It is also worth noting that the more deposit you have, the larger the choice of mortgages available.

At the same time, the less you need to borrow, the lower the interest rate should be on your buy to let mortgage.


Bad credit buy to let mortgages
If your credit is poor, that does not mean that we cannot help you, but you will be considered a higher risk by the lender.

We should still be able to find you a buy to let mortgage, but the interest rate will usually be higher.

Whatever type of self cert buy to let mortgage you are looking for, always use a reputable and knowledgeable UK mortgage broker who can go through all the options available for you. That way, you know that you are not entering a risky situation and that they mortgage provided to you will be from a trustworthy lender.

To find out more about buy-to-let mortgages, self certified, do not hesitate to contact us. As well as helping with self-cert buy to let mortgages we can also look at many other options available to you.
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 !