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Mortgages for the Self Employed

The self employed are often penalised for their status when obtaining a mortgage, either charged higher rates or rejected entirely as lenders regard them as higher risk than their full time, employed counterparts. We are pleased to say that we have lenders how will consider Self Employed Mortgages, these mortgage are subject to their own lending criteria

Fortunately, there are mortgage lenders that realise there is a growing number of self-employed people need access to Self Employed Mortgages or these are some times referred to as Mortgage Self Certification, many of whom make ideal borrowers, who have different needs to those who can rely on a regular income.

If you work for yourself, we can help you get a mortgage

The main advantage of using aa Independent Mortgage Broker is that you could potentially save yourself time and money. A specialist Independent Mortgage Advisor will know exactly those lenders that will accept you as a self-employed borrower who need access to a Mortgage Self Certification and those that won't and they may have access to exclusive products not available on the high street.

All the shopping around will be done for you to ensure you get the best deal possible. The market will be scrutinised thoroughly, from high street lenders to smaller specialist lenders whose products will include Self Cert Mortgages.

Simply complete the online enquiry form for a FREE no obligation quote and hopefully we will be able to find a lender that will allow Mortgage Self Certification.

Self-cert Mortgages no longer an option - Not Exactly True

Following the withdrawal of self certification mortgages from the market, the choice for the self employed borrower has diminished somewhat. The principle of a self certification (or self cert) mortgage was if you worked for yourself, you couldn't rely on a regular salary, payslips or a P60 to prove your income - so you didn't. You declared what you earned and the lender would lend you a sum accordingly, without you having to provide proof of income such as audited accounts.

However, the credit crunch brought an abrupt end to these rather controversial products and they have now been axed altogether. In some quarters they were dubbed "liar loans" as there was widespread evidence to suggest they were being abused by borrowers who were overstating their income in order to secure finance.

Expert advice can be crucial

When it comes to securing a mortgage, the financial meltdown and subsequent recession has made it much tougher for self employed borrowers. Nevertheless deals are out there, and getting the right advice can be crucial.

Let an Independnet Mortgage Broker from KPM Financial Services analyse your situation, advise you on your options and suggest the self employed lenders who may be willing to help you.


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KPM Financial Services is authorised and regulated by the Financial Conduct Authority, Registration number 474912, in respect of mortgage and insurance mediation activities only. Details of which can be found by visiting