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What was a self cert mortgage?
As you might guess from the name, a self cert mortgage meant that the borrower detailed how much money they earned when they applied, without providing any supporting documents, effectively self certying their income. They were primarily used by self-employed people with income from different sources and those with a low salary but with high commissions etc.
• 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.
"Thank you very much for this, you've done something that many have failed to do!!!"
January 22, 2019
"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, 2019
"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, 2019
"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, 2019
"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..."
November 01, 2018
Alternative solutions to self cert mortgages, which are no longer available
Our mortgage brokers specialise in all mortgage areas, including self cert mortgage alternative solutions -
self employed - buy to let and bad credit mortgages, they will be able to explore the whole of the market, and provide you with your range of options.
By exploring your options with our specialist mortgage brokers - you may find that you do not require a self cert mortgage at all. That our brokers are able to offer you a self cert mortgage alternative that will enable you to proceed with your mortgage.
It is by accessing specialist lenders - who are able to offer flexible self cert mortgage alternatives - that our expert brokers can aim to solve your issues and enable you to proceed with your mortgage right away!
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
WE ONLY USE UK MORTGAGE LENDERS FOR REGULATED MORTGAGE CONTRACTS
• Yes! - All Bad Credit Considered - Contact Us Now !
In a lot of cases - our mortgage experts can use your current situation to proceed with your
self cert mortgage alternative solution - we are difficult and complex mortgage experts
• Employed day 1 - or yet to start your job - we can use your employement contract
- see just a sample of how we can help you below -