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European Self Cert Mortgages 2018 >> No Proof of Income Required !!! >> Specialist European Self Cert Mortgage 2018 >> BTL & Self Employed Mortgages Low Rates Available!
European Self Certified Mortgages 2018 - European Self Cert Mortgage Alternatives
Need flexible income options in Europe? Our European self cert mortgages 2018 lenders are just the answer! See some of our available options below
- European self cert mortgage 2018 for Self Employed with competitive rates and fees
- Buy to let can be self cert using European mortgage 2018
- With our European self cert mortgages 2018 you can borrow up to 95% with no proof of income whatsoever
- Self certifying your mortgage is very common in Europe and can really help you to secure your self cert mortgage
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
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.
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 EUROPEAN SELF CERT MORTGAGE ALTERNATIVES - SELF CERT MORTGAGES NO LONGER EXIST
WE ONLY USE UK MORTGAGE LENDERS FOR REGULATED MORTGAGE CONTRACTS
We specialise in complex and difficult mortgages...
Our European self cert mortgage alternatives maybe what you are looking for
Self Employed & BTL Welcome!
Most Recent Reviews (9)
"Thank you very much for this, you've done something that many have failed to do!!!"
January 22, 2018
"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!."
January 25, 2018
"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."
January 16, 2018
"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"
January 11, 2018
"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."
January 07, 2019
"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."
December 18, 2018
"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."
December 11, 2018
"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!"
November 22, 2018
"We have already recommended RedBrick Mortgages to our friends that plan to get their first mortgage and i know they can help them..."
Because the money is not being provided by a UK lender, the mortgage will not be protected by the FCA.
If you are finding it hard to locate a self certification (self cert) mortgage in the UK, it maybe worth looking at European self cert mortgages. Self cert mortgages have been barred in the UK.
What is a european self cert mortgage?
A european self cert mortgage means that the person applying for the mortgage declares the amount of their income i.e. they self-certify it. Therefore, that figure is taken as being accurate and no further documentation is required to prove the amount of income.
It was popular with those who are self-employed or who have income coming from a range of different sources. For example, the basic salary may be low but may be topped up with overtime, bonuses etc.
Getting a self cert mortgage in Europe
Self cert mortgages maybe accessable in Europe as the self cert Euopean lenders maybe available. The first company to offer these types of self cert mortgages was based in the Czech Republic.
Always remember that even if you get your self cert mortgage via a European lender, the same rules will apply as any other borrowing of money and you will need to keep up with the payments.
Why use a UK mortgage advisor?
Even if you decide to go down the route of obtaining a European self cert mortgage, the FCA recommend that you use a mortgage advisor based in the UK to locate the mortgage for you. They will be able to advise you on any protection that comes with it, the lenders terms and conditions and their policies with regard to late or missed mortgage payments.
They will also look at your income and advise if they think the borrowings are reasonable, thus mitigating your risks somewhat.
Who might opt for a self cert mortgage in Europe?
These types of self cert mortgages from Europe are most often used by those who want to buy their own home but are self-employed or have a job that is not run-of-the-mill. Providing wage slips or accounts to substantiate their income may be difficult and even if they can provide this paperwork, it may only show the basic they earn and not any tips or commissions etc. For example, your basic wages may be only £10k per year but tips, commissions and bonuses may take this up to £20k.
A traditional lender would only consider the £10k, leaving you unable to obtain a mortgage. However, if you apply for a European self-cert mortgage, they should accept the whole £20k.
How to locate the best self cert mortgage in Europe
Always use a broker based within the UK to obtain your European self cert mortgage. They are harder to find and not usually advertised.
Locate a mortgage broker in the UK who deals with self employed, buy to let and bad-credit mortgages, they will be able to explore the whole of the market, and provide you with a range of options.
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 !