Non Status & Self-Certification Mortgage FAQ

How long will I need to have been trading?
There is no specific length of time as we have access to lenders
who do not stipulate a certain time period.
What if my accounts do not show sufficient income?
If you have sufficient equity in your property, many lenders
will allow you to "self-certify" that you can afford the
monthly payment based on the amount you wish to
borrow.
What if I have no trading accounts?
Many lenders will allow your accountant to confirm
your income to them.
What if I am employed but cannot prove my income?
This will usually be because your income comes in the form of
bonuses, etc. We have many lenders who will take this into
consideration.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be approximately £995.

Your home may be repossessed if you do not keep up your repayments on a mortgage or debt secured on it.

Circle loans introduce all business to FSA registered companies and receive 50% of all fees charged.