Self Employed Mortgage

Looking for a self-employed mortgage?

The self employed mortgage market has dried up since the Financial Services Authority turned the spotlight on self-certified mortgages, and lenders started requiring proof of income to ensure that borrowers could afford to repay the loan.

Even if you were looking for a self-employed mortgage deal and cannot find one, it is still worth getting advice about the mortgage options still available to you - see the table for the latest mortgage deals, and click on the links to fill in a quick form, an advisor will call you back to talk through about your individual requirements.


Current Mortgage Deals
Initial RateProviderPeriod ToTypeAPR*LTV 
5.44% National Counties BSSep 2010Buy To Let 5.90% 60% More
*APR - Overall Cost for Comparison
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Mortgage Deal Selection - Call Lender Direct
Initial RateProviderPeriod ToTypeAPR*LTV 
2.89%
Lifetime TrackerTracker3.00%70% 
Lifetime Tracker Deal. Capital Repayments up to 10% without penalties.Product fee £1499. Early repayment fee 1% of balance repaid until 30/11/2012. Call 0845 0701720
2.54%
2 YearsTracker3.50%75% 
2 Year Tracker Deal. Capital Repayments up to 10% without penalties. Product fee of £945. Early repayment fee of 2% for first 2 years. Call 0800 1838892
3.39%
2 YearsFixed4.10%60% 
2 Year Fixed Deal. No product fee. An early repayment charge applies until 31/08/2012. Maximum LTV 60%. New purchase only. Call 0800 068 7624
3.75%
NAVariable3.80%75% 
Offset Mortgage Deal. Designed to give you financial flexibility by helping you pay off your borrowing early by bringing all your finances together. Call 0845 8055689
4.95%
Aug 20122 Year Fixed4.24%80% 
First Time Buyer 2 Year Fixed Deal. £995 Product Fee. Call 0800 077 3454 to speak to a Santander Mortgage Specialist
4.99%
Sept 20122 Year Tracker 4.00%85% 
First Time buyer 2 Year Tracker Deal. Product Fee £497. Repayment Mortgage Only. Early Repayment Fees Apply. Call 0845 293 77 26 to speak to a Halifax Mortgage Specialist
5.45%
July 2012Fixed4.10%90% 
First Time Buyer 2 Year Fixed Deal. Early repayment charge until July 2012. Capital Repayments up to 10% without penalties. There is a product fee of £999. Call 0808 1091690
6.89%
Aug 2015Fixed5.20%90% 
First Time Buyer 5 Year Fixed Deal. For new Nat West Customers only. Maximum loan £300k. No Product Fee. Call 0800 1582934
2.99%
2 YearsFixed4.80%60% 
2 Year Fixed Deal No application charge. No Completion fee. Call 0845 0701720 and quote FI2. Monday-Thursday 9am-8pm, Friday 9am-5.30pm, Saturday 9am-12pm
*APR - Overall Cost for Comparison

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker 

Self employed mortgage products, often referred to as self cert mortgages, allowed people with an irregular income to declare what they earn without providing evidence of income.  

Click on the link below to talk to an expert advisor about self-employed mortgages.