Self Certification Mortgages
A Self-Certification Mortgage is a mortgage product where you will not be required by the lender to provide physical proof of your income in the form of accounts or pay slips. You simply have to certify (sign) to say that you have adequate income or available funds to make the required mortgage payments in full and on time. This is an ideal feature for people that either can't show physical proof of their income, for a variety of reasons. Self Certification Mortgages are available to people who are self-employed or employed and have income from a variety of sources e.g. basic + commission.
Some lenders provide a further variation called "non-status", whereby you do not even have to state an income as part of the application. Self Certification mortgages are available to people who are self-employed or employed.
Our service can introduce you to advice on hundreds of Self-Certification Mortgage deals that are available from a wide variety of UK mortgage lenders. Self Certification deal types may be in the form of discounted, fixed, variable rate, capped, tracker and flexible / offset mortgage deals. This service may provide you with access to some 'exclusive' mortgage deals that are not available direct to lender or through other intermediary sources.
Please note, it is an offence to certify a false income on a mortgage application form.
We believe
that regulated service is the best service!
The aim of this service is to introduce UK homebuyers to Independent Advice on mortgages. With such a large number of mortgages available, it is important to obtain Independent advice from a qualified adviser who will work for you, not for any one lender. Your adviser will be able to provide you with a "Mortgage Agreement In Principle" - in as little as 24 hours!
Do you want all the benefits and features of a qualified, professional mortgage adviser who will act for you? Complete the online enquiry form
The aim of this service is to introduce people like yourself to a specialist independent mortgage adviser, who can either advise and recommend a specific mortgage deal for you (based on your needs / circumstances) or can offer detailed information on suitable products to help you select the most appropriate mortgage deal available to meet your needs.
The key to our service is independence. The adviser that we will introduce you to will be fully independent, and as such will review the whole UK mortgage market to give you the best advice and access to some exclusive deals. You are under no obligation to proceed.
We like people to remain in control, so the preferred methods of contact are both phone and e-mail. It can be arranged that an adviser can come to see you in person at your request, but find that most clients prefer to work remotely.
Once the adviser that you will be intorduced to has obtained the information they require to find you the most appropriate deal (which may involve a short telephone interview), he / she will source from the whole UK market using in-house regularly updated mortgage sourcing software. He / she can e-mail or post recommended product illustrations for you to look over (or may be available to provide a face-to-face advice appointment with you - please ask for details).
We believe
that regulated service is the best service!
We believe the best assistance comes from a regulated mortgage broker!
Your home may be repossessed if you do not keep up repayments on your mortgage.
1st Direction Mortgages (UK) provides a Mortgage Introducer Service and is a Trading Style of Hello Finance Ltd.
Hello Finance Ltd is an 'introducer' of clients to regulated Independent Mortgage Advice companies and may receive a introductory fee from the mortgage broker for such a service. The content of this website in 'information' on the services that are offered by our partner advice companies. The content of this website must not be taken or used as 'advice' on the type of mortgage that is most suited to your needs. Hello Finance Ltd hold no responsibility for any advice given by our partner companies.
Please read our Terms Of Business for further information.
Registered Office:
Hello Finance Ltd 7 Fidlas Road Llanishen Cardiff CF14 0LW
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