General.

Self Certification.
Before taking out any mortgage you must carefully consider your financial position and satisfy yourself that you will be able to afford the payments. This is particularly important if you are applying on a Non Status basis where you have chosen not to inform the lender of your income or self-certification where you state an income on the application form which is not checked by the lender. For a self employed applicant, a lender may ask your accountant for confirmation that you have sufficient UK taxable income to service the proposed loan.

The overall cost for comparison is 8% APR.

The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Buy to Let Mortgages.
Buy to Let mortgages are available for employed, self employed and non-tax payers. An exciting range of products are currently available.

The Financial Services Authority does not regulate overseas mortgages and some forms of buy-to-let and Commercial mortgages.

Expatriates.
Mortgages can be arranged for expatriates and foreign nationals who do not pay tax in the United Kingdom.

Changes in the exchange rate may increase the sterling equivalent of your debt.

The Financial Services Authority does not regulate overseas mortgages and some forms of buy-to-let and Commercial mortgages.

Commercial Mortgages.
A range of competitive commercial mortgages are available subject to the required details being provided.

The Financial Services Authority does not regulate overseas mortgages and some forms of buy-to-let and Commercial mortgages.