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admin @ December 16, 2008
Business And Finance Comments (0)
Self cert is not a cut and dried definition. There is no one person or one profession that is eligible for self certified mortgages. It is down to the discretion of the mortgage broker, the self cert mortgage lender and the borrower themselves to decide whether their income can be classified as ‘non status’.
Basically, if you cannot guarantee or are unhappy to define your income on a continuing monthly constant, then you are a non status income earner and can be classified as having the potential to qualify for self certified mortgages.
Maybe you are taxi drivers who can earn thousands of pounds in holiday overtime. Many professionals can earn more or less each month depending on their performance or their situation. Or those who can make more money during a certain period like an ice cream van owner in the summer. An Easter egg manufacturer will be able to pay more towards their mortgage sometimes and less other times. These people are eligible for self certified mortgages.
Maybe the borrower has an irregular cash job or could be a waitress working in a cocktail bar or even a market stall owner. Some months will mean a good bank balance, and others will not be as good. This means they cannot define their monthly wage and are eligible for a self certified mortgages.
The borrower may also earn bonuses from time to time, maybe at Christmas or at the end of the financial year. Just because someone earns a lot doesn’t mean they are not self cert borrowers. Many chief executives or high-flying businesspeople will be offered bonuses from time to time, maybe at the end of a financial year, maybe after a big deal or maybe even after New Year. There is no rule to bonuses; they come and go. Those who do get bonuses can be eligible for self cert mortgages.
The person looking for a mortgage could be a salesperson who relies wholly on performance-related commission. Maybe they work in a call centre, or maybe it’s even a mortgage broker. People who earn from their own success can be considered for self cert. Of course if these people do not work hard their mortgage could be in jeopardy - but that is the risk you may have to take with self cert mortgages.
Or, of course, the borrower could be the owner of his or her own business, large or small. They might be struggling to make a decent profit each month so their self cert mortgage could be a lifeline as a debt consolidator or even a cash injection. Equally the business earner could be a multi-millionaire, who runs a very successful business empire - for them, self certified mortgages could be a way to make their money work even harder for them.
The possibilities for self certified mortgages are endless. As long as you do not receive a regular PAYE at the end of the month you too could be eligible for self certification.
admin @ November 28, 2008
