Specialist Mortgages.
Self-Certified
Difficulty proving your income?
Self certification or non status mortgages are generally used by specialist mortgage lenders when your employed or self employed income is not easily proved or comes from a variety of sources.
These specialist lenders will be far more accommodating and appreciate different working patterns require a more flexible approach.
Some of the reasons for self certifying your mortgage could include:
- Company directors in receipt of dividend income
- Self-employed (i.e. freelancers, sole traders, partnerships)
- Contract or seasonal workers
- Income is received from a variety of sources
- Income is based largely on commission or bonuses
- This list is by no means exhaustive...
Many of the non status mortgage lenders only accept business through mortgage brokers and therefore many of their deals are not available on the high street.
Contact us and one of our qualified mortgage consultants will be in touch to talk you through the options available.
Adverse Credit
Got bad credit?
Finding an affordable mortgage when you have bad credit may seem impossible.
A bad credit rating is becoming common in today's market, often due to circumstances beyond your control.
Whether you have:
- Mortgage, secured loan and rent arrears
- County Court Judgements (CCJ's)
- Defaults
- Individual Voluntary Arrangements (IVA's)
- Discharged Bankrupts
- Repossession
Castle Independent Mortgages Ltd can take you through the steps to repair and improve your credit rating and support you through the mortgage process. We can search every lender available to you and present you with the most suitable options for your scenario.
Adverse credit, non-conforming, sub prime, impaired credit or bad credit mortgages:
Don't let the jargon confuse you!
Contact us and get a clear picture of your options.
Your home may be repossessed if you do not keep up repayments on your mortgage
Commercial Mortgages (including most buy to let mortgages) are not regulated by the Financial Services Authority.
