Self Employed Applicants
Welcome To Your 2 HOUR Mortgage Provider
At AMS, we understand that being self employed you will quite legitimately want to reduce your gross income by offsetting certain allowable expenses for tax purposes. This could as a result inadvertently reduce the amount you can borrow with certain mortgage lenders.
To apply for a mortgage or remortgage in this instance you will need what is known as a ‘Self Certification Mortgage’, commonly referred to as a ‘self cert mortgage’. Instead of providing business accounts in the traditional way, you will instead sign a declaration to the lender confirming your income. The lender will then assess whether or not you can afford the loan amount you require based on your stated income.
AMS have worked on behalf of thousands of self employed people to pick the best deals on offer from every lender in the country. We aim to to have a decision within two hours and will handle your application for you until it completes.
Even if you have CCJ's, Defaults, mortgage arrears or a poor credit history we can help.
Our advice is free and our quotes carry no obligation whatsoever.
Our advisors are available online, on the phone, or if it’s inconvenient we can call you back.
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Think carefully before securing any debt against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. The actual rate will depend on your cirumstances. Ask for a personalised illustration. The overall cost for comparison is 8% APR. An arrangement fee of between £495 and £2495 will be charged on completion depending on circumstances.
