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Types of Mortgage:: Variable rates Mortgages: - mortgage payments are calculated by your lender on the so-called "Standard Variable Rate". This is based on the monetary "base rate" that is reviewed monthly by the Bank of England.
How Is Interest Calculated On a Mortgage?: Interest is charged in different ways depending on what kind of mortgage you have.
Company Directors: Are you a company director and looking for a mortgage, or remortgage to refinance your home? Our mortgage partners can arrange a mortgage for directors and the self employed, even those with less that two years accounts & low profits.
What If I Die Before My Mortgage Is Paid Off?: If you die before your mortgage has been repaid, your estate will face the cost of paying back the outstanding balance. The mortgage will not be written off by the lender, it will have to be paid by the next of kin.
What is Adverse Credit?: If a borrower has a history of poor credit usage then this is described as Adverse Credit, Sub Prime or just simply, Bad Credit. Poor Credit history can include County Court Judgements (CCJ's), Bankruptcy, Mortgage arrears or any late payments on credit cards, credit arrangements etc.

How Do I Prove My Income?

When you apply for a mortgage you will normally have to provide proof of income. However, there are mortgages available, called Self-Certified mortgages, where this is not necessary.

If you're employed, should have to provide written evidence of your earnings for the last two years, either in the form of payslips and/or your P60. The lender may also write to your employer asking for confirmation. Earnings that are not guaranteed such as commission and bonuses do not generally count as part of your earnings.

If you're self-employed, it is traditionally more difficult to get a mortgage, and as a result there are lenders who specialise in self-employed mortgages. Most lenders now offer mortgages for the self-employed however, and with the right proof of income you should find it easy to get a competitive mortgage. You would need to show three years audited accounts, although if you haven't been in business for that long then the lender will accept a letter of confirmation from your accountant.

If you need a Self-Certified mortgage, then please mention this when you speak to the Mortgage Adviser who'll call you after you have completed the quotation request details on this website.

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