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Self Certified Remortgages
 At MORTGAGE ALTERNATIVES we understand that finding the right mortgage can be tricky. There are thousands of deals and an array of different types of mortgage out there.
For most people a mortgage is their biggest regular expense and consumes a large proportion of their monthly salary. Because it's such a huge commitment, it's crucial to get the right solution. Failing to get the right deal could prove to be very costly in the long run. You need to be aware of all the options and be sure you're not missing out on products which could save you a fortune in interest payments.


There are perfectly ordinary reasons that can make getting a remortgage difficult - because of being self employed for less than 2 years, if you have more than one income, if you have a second job, or revenue from investments and you need that income to count when applying for a mortgage or are paid mainly commission. For whatever reason you find it hard to prove your income, if you're looking for an Self Certified Mortgage, you will be surprised in how many ways a qualified professional adviser can help, whether you're remortgaging to consolidate existing debt, for home improvements or simply want a better mortgage deal.

To obtain whole of market advice from a qualified adviser (who will act for you and not the lender) simply complete the short online enquiry form and press PROCEED.

You will be assigned a professional adviser who will contact you usually within minutes of submitting this form. If you wish to speak to an adviser immediately simply phone 0845 833 7500.

One of the main reasons to remortgage is simply to find a better deal than your current mortgage. Remortgaging can also be effective at releasing any equity you have in you property. By doing this, the extra funds can be used for home improvements, debt consolidation or even paying for a new car. During the remortgage process, the existing mortgage lender will be paid the outstanding mortgage balance which will then be followed by you borrowing either the same amount or larger depending on whether you will be releasing some equity in your property.

To obtain whole of market advice from a qualified adviser (who will act for you and not the lender) simply complete the short online enquiry form and press PROCEED.
To help the process please enter as much information as possible.

Mortgages for the self employed and other people who find it hard to prove their income.
If you're one of the estimated 3.2 million self employed people in the UK, or have working styles which differ slightly from the norm, you'll benefit from using the services of an independent firm of mortgage brokers who specialise in arranging self certification mortgages & remortgages for the self employed, company directors, contractors and other people who find it hard to prove their income.

Historically lenders in the UK have taken a cautious view of the self employed, however a number of mainstream and specialist lenders provide a solution for the self employed through self certification mortgages.

With a true self cert mortgage, you make a declaration as to what your income is, but you do not need to provide any proof. You simply state what your likely income will be, rather than providing documentary evidence such as accounts, P60s or payslips.

Self-certification mortgages are not just for the self-employed nowadays. If you have more than one income. As many people now do, then proving it is not necessarily easy.

So, if you have a second job, or revenue from investments and you need that income to count when applying for a mortgage, we'll find a lender to meet your needs
Exclusive Deals
Many of the self cert mortgage lenders only accept business through authorised intermediaries, and by using the services of a specialist broker, you'll get access to some exclusive deals which cannot be found in the high street. Discount, fixed rate and flexible products are available.
Find You the Best Self Cert Mortgage Deals
Whether you have a good or bad (adverse) credit history, help is available and you can be sure of getting the best deals. With around 15 different lenders in the market, an advisor will take the time to shop around, ensuring you get the most suitable solution for your requirements and situation. They can also save you time and hassle by liaising with the lender on your behalf and assisting you with the necessary paperwork.

To obtain whole of market advice from a qualified adviser (who will act for you and not the lender) simply complete the short online enquiry form and press PROCEED.

You will be assigned a professional adviser who will contact you usually within minutes of submitting this form. If you wish to speak to an adviser immediately simply phone 0845 833 7500.