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Frequently Asked Questions
I want to buy my council property, do I qualify?

In order to have the right-to-buy your council property, you need to have been a council tenant for ...

What is a local authority search?

Searches carried out by the solicitor, through the local authority, relating to the property to be p...

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What do our clients say?
For ages I thought I could not get a mortgage – imas arranged a 100% mortgage for me and got me onto...

Peter - April 2007

With imas’ help we were able to reduce our costs significantly – we now have a much better quality o...

Jonathon - October 2006

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Self Certification Mortgage

Self Cert Mortgage - How do these mortgages work?
The loan part is no different from any other mortgage, it is the underwriting that is different. Normal Full Status mortgages are justified on the basis of having a Permanent Job, which is proved with payslips, P60 and normally a reference from the Employer.

If you are Self Employed a Full Status mortgage is justified with 3 years accounts showing sufficient taxable income. In these circumstances up to 95% or even 100% might be available. Another way as to be found when there is no Permanent Job, or taxable profits have been minimised, or some other reason that causes there to be no provable income.

self cert mortgage
Will enquiries welcome

The Lenders who provide these loans take their security, not from payslips, references, accounts etc, but from the level of equity in your property. The maximum loan to value [LTV] is generally 85-95%.

Self Cert - The overall cost for comparison is 7.5% APR Rate correct as of 15/06/2007. The actual rate will depend on your circumstances. Ask for a personalised illustration.

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.  Our typical fee is £595.