Self Employed Mortgage specialist - Self Cert solution

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Submitting Details... Step 1 of 3 About your loan How much would you like to borrow? Over how many years?   Please select 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years   Purpose of loan? Current residential status? Please select Debt Consolidation Home Improvement Car Holiday Wedding Other   Please select Home Owner - With a mortgage Home Owner - No mortgage Private Tenant - Furnished Private Tenant - Unfurnished Living with parents Other   What is your monthly income? (including any benefits) Your employment status?   Please select Employed Self-employed Unemployed Home-maker Student Retired Other   Proceed to step 2.   Step 2 of 3 About your loan You qualify for two types of loan. Select either: Homeowner Loan Is secured on your home. Rates depend on your circumstances; usually lower than an unsecured loan and often more flexible. Unsecured Loan Not secured on your home. May not qualify you for the best rates. Applying to a number of lenders may affect your credit score.   Estimated value of your property?   Your current mortgage balance?       Where will you buy your car? Please select A Dealer Private Sale I'm Undecided   What is the total value of money you owe to companies?   Do you owe money to 3 or more companies?     Yes No   What is your monthly rent/mortgage payment?   Your living arrangements?     Please select Single Living with Partner Single & 1 Child Single & 2 Children Single & 3 Children Single & 4+ Children With Partner & 1 Child With Partner & 2 Children With Partner & 3 Children With Partner & 4+ Children   Your date of birth?   Do you have adverse credit? (if yes, we can still help) -- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 -- January February March April May June July August September October November December ---- 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940     Yes No   Proceed to step 3.   Step 2 of 3 About your loan Based on your information we recommend you speak to a personal debt adviser. They will offer you advice on: Whether a loan is your best option Consolidating your debts Reducing the amount you owe How to freeze your interest payments Protecting you from creditors Proceed to step 3.   Step 3 of 3 Your details First name: Last name:     Phone number: Alternate phone number:     E-mail address:   First line of current address: Current postcode:     Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry. Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail. Finished Thank you for your enquiry. Your adviser will be in touch with you shortly.

Featured Article - Why a self-certification mortgage

Many people cannot find the home they are looking for on the open market, so they opt for self build. To build the home of their dreams they still need a mortgage. The fact that you will be building your own home, buying a plot of land, building materials and employing labour means that you get a house at cost price hopefully in the perfect location for you. It could be that you have found the right property and it is in need of complete renovation, a mortgage is still needed to develop the property into your dream home.

For a self build you will need to find a plot of land that preferably has planning permission already. Some plots come with the actual design of the build in place, while others have only an outline, meaning it has been agreed and permission has been granted for the plot to be built on but no plans have been drawn.

There is no obligation to accept the loan we find you. And you can cancel at any stage right up until completion with no cost to you.

If you are not going to be around regularly to oversee the build from beginning to completion you may be wise to employ a project manager to ensure that things go smoothly and things get done in time and in the right order. You will have to finance the build and there are now many lenders willing to lend you money for a self build.

Usually a lender will release money to you in stages, as the build progresses, at key stages the lender will make money available to you. By releasing money to you in this way the lender is trying to ensure that cash flow is never a problem, however you should always check that you have planned properly. Always be sure of costs of materials, as the instalments need to cover each stage of the build and any extra money may not be available. Building instalments are usually paid in arrears.

If you are not going to be around regularly to oversee the build from beginning to completion you may be wise to employ a project manager to ensure that things go smoothly and things get done in time and in the right order. You will have to finance the build and there are now many lenders willing to lend you money for a self build.

Usually a lender will release money to you in stages, as the build progresses, at key stages the lender will make money available to you. By releasing money to you in this way the lender is trying to ensure that cash flow is never a problem, however you should always check that you have planned properly. Always be sure of costs of materials, as the instalments need to cover each stage of the build and any extra money may not be available. Building instalments are usually paid in arrears.