Self Employed MORTGAGES and REMORTGAGES

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Mortgage with no proof of income

Looking for a mortgage or remortgage but have no proof of income or no accounts ? Need to self certify or self declare your income or earning ? We can help.

Complete Finance specialise in mortgages for self employed people who can not prove income or who have no books.

Most of the mortgage lenders we deal with will let self employed self certify income - in other words, you declare your income and they accept the figures you provide.  The lender then works out if this income figure is enough to meet the monthly mortgage repayments.  No need for accounts or accountant's details. As long as they are satisfied you can meet the monthly repayments, this is sufficient.

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Self Declaration of Income Mortgages for Self employed

Often in the first few years trading, the self employed may have no accounts or no books that will adequately show their true income for the purposes of borrowing money for a mortgage. There are good reasons for this, such as heavy expenditure in setting up a business, cashflow problems when dealing with new customers and suppliers and other initial problems that occur when starting a business.

We can help you get the mortgage you need. Regardless of your financial situation or past credit history, we have a wide range of products from a number of mortgage lenders that will lend money to the self employed, even if they have no proof of income.

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Mortgages even if you can not prove income

A self certification mortgage even if you have arrears, missed payments, CCJs or defaults. Call us today and your personal adviser will help work out a tailored solution for you. Apply now for a no upfront fees mortgage, and get your finances back on track even if you-

Ø are a discharged bankrupt
Ø have payment defaults
Ø are in an IVA (Individual Voluntary Arrangement)
Ø have CCJs (County Court Judgements)
Ø have a poor credit rating
Ø have missed payments or mortgage arrears 
Ø You’ve been turned down by other lenders in the past

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Looking for a self employed mortgage but have a poor credit history

There are various benefits of a self certification remortgage; for instance a remortgage could offer you a way to reduce your interest rate, consolidate your debts into one manageable monthly payment by spreading the cost over a longer term, or raise additional finance for home improvements such as a conservatory or a new kitchen. You could remortgage to:-

Ø Release equity and take advantage of the increase in the value of your home, and spend the additional amount as you wish
Ø Save money - move to a lower rate mortgage  - ideal if your existing mortgage is coming to the end of a special rate period
Ø Pay off store or credit cards and spread the costs over a longer period, by consolidating them into one easy to manage monthly payment (although this may increase the total amount you repay)
Ø Buy out an ex-partner from your mortgage

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