You may find it more difficult to apply for a mortgage if you are self-employed and are unable to show mainstream accounts for the last three years. A flexible self-cert mortgage could be one option, as many lenders now cater for those whose earnings are less easily proved. A flexible self-cert mortgage will be based on:
If you apply for a flexible self-cert mortgage, you will be able to take advantage of a flexible repayment schedule, many of which allow you to make under or overpayments, depending on your financial situation at the time. It is worth comparing quotes from a range of providers to ensure you get a competitive deal and this can be done quickly and easily using the form below.