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"We've got the keys! We are so grateful to you - you've been brilliant. Your service was worth every penny and made the whole mortgage process hassle free. You've managed to keep on top of everything, as our requirements changed, and we were never made to feel like anything was a problem. When everything threatened to fall apart at the end, you smoothed everything out. It would have been so much more stressful without you."

Mr & Mrs Bassindale, ISLE OF WIGHT

"I would just like to take this opportunity to thank you and everyone at AMS, especially David, for the hard work you put in for me and my family. We have been able to secure a lovely family home with all of your help."

Mr Keer-Roe

"I want to thank you for all your hard work in helping with our getting our mortgage. Your company have done a very good job. This is the second time I have used your company and I was not disappointed in any way, I will certainly recommend you to my friends."

Mr & Mrs Anthony Douglas

"I liked the fact I was not harassed after our 1st contact as I was being with all the other mortgage companies."

Miss Webb, WALSALL

"Very good service and very good information during the process."

Mr Fauvel & Miss Rusyte, ILFRACOMBE

"Very efficient and knowledgeable people."

Mr & Mrs Furniss, ROMILEY

"Efficient , friendly and prompt. An exceptional service, so easy. With my thanks and appreciation. P.S please do use my comments on your website. I would recommend you first to any-one."

Ms Lea, BATH


Looking for the new alternatives to self cert mortgages? Are you self employed and have been refused a mortgage? Struggling to find a lender? Don’t have three years accounts? ams can help and provide the answer in one hour!

We offer self cert mortgage alternatives for the self employed

ams understand how difficult it can be to get a mortgage in the current financial climate, especially since self certification mortgages, or self cert mortgages as they are known, were effectively removed from the market. If you are self employed we are able to offer alternatives to assist those struggling and without the required 3 years accounts. We can find the correct mortgage for your needs and circumstances because we deal with the whole market and we specialise in mortgages for:

Our Simple Guide to Self Certification Mortgages

Previously lenders have been cautious about offering mortgages to those who were self employed and so provided specialist mortgages known as self certification mortgages. Self cert mortgages were typically available to people who were unable to verify their income, as no proof was needed. All you needed to do was to declare your income rather than provide evidence with accounts and payslips. Although self cert mortgages have now effectively been removed from the UK market, you can still get good rates on your mortgage if you are self employed.

The End of Self Cert Mortgages in the UK

Throughout the financial uncertainty of the last few years self-certification mortgages got a bad name, as they were accused of allowing easy borrowing and causing a house price boom. Following changes to the law this product is no longer available from any UK financial provider. Lenders are now checking for affordability and evidence of income. For many self employed people this change felt like the dream of owning a home had ended.

The Financial Services Authority (FSA) Standpoint

The FSA has determined that lenders must verify the income of any mortgage applicant and assess whether the new mortgage is realistically affordable. As a result all lenders in the UK have ceased to offer Self Certified loans and mortgages.

The Alternatives

However alternatives do exist to assist those who are self employed and wish to obtain a mortgage. There are a number of excellent alternatives to self certification mortgages available on the UK market. There are mortgages that don’t require 3 years of self-employment accounts for example.

I am Self Employed, Where Can I Get a Mortgage?

Whether you’re a first time buyer, self-employed or if you have a poor credit rating, we aim to get a mortgage decision to you in just 1 hour. What’s more we will handle your application for you from start to finish allocating a dedicated case manager who will liaise with you every step of the way. We will help make the overall mortgage process easier and hassle free.

We work on your behalf, not the lenders, to select the very best deal to suit you, chosen from thousands of deals on offer from every lender in the Country. If you need the new equivalent of self cert mortgages, have a poor credit rating or you’re looking to remortgage we can help.

Get in touch with our expert team by calling: 0121 321 3100. Or, if you would prefer, you can fill out our online form here.







Our Mortgage Solutions


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