Bank managers are probably the most risk-averse individuals you are likely to meet ? without proof of a regular salary and sound financial track record you may presume a frosty reception when you ask about borrowing. However, there are options available for people who don?t conform to the norm.
If you are self-employed or have an erratic income, you can consider a self-certified mortgage. As the overall mortgage market has become more flexible and competitive in the past few years, the amount of lenders offering self-cert mortgages has increased. Whereas they used to be the preserve of specialist lenders, and come with pretty strict terms and conditions, you can now find self-certs from most of the major high street banks and building societies.
The set up View the rest of this article
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