No proof of income! -
No worries at Independent Mortgage Services!

Best rates nationwide for mortgages requiring no proof of income – up to 90% of the value of your home! Best rates nationwide for secured loans requiring no proof of income (self employed applicants only)

Fill out the form, above right send to us, and a member of friendly experienced staff will contact you straight back.
Or simply call us free on 0808 108 74 74

What is a self certification mortgage?
Put simply, self certification is a type of mortgage that does
not require any proof on income. You, as the client certify
what your income is and no further evidence is required.

Our experience in the mortgage field can be particularly
useful in this area and products are available up to 90%
loan to value ratio, the more normal limit being 85% loan
to value. Because we are independent we are able to
choose from all lenders offering such products in the
country and ensuring you get the best rates available
to you. Self certification mortgages are also available when
adverse or impaired credit might be an issue to you.

Self certification type mortgages can be particularly useful for many and varied reasons, particularly so for people who fall into the following categorise:

• For self employed applications
• For applicants with duel or multiple income sources
• For applicants that receive some of their income on
  a commission basis
• For applicants that receive some of their income on bonuses basis

Please note that self certifying your income should take
place where you cannot prove your income for a valid reason
such as those mentioned above”
The overall cost for comparison is 8.4% APR. The actual
rate will depend upon your circumstances. To understand
the features and risks, please 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 the repayments on your mortgage

Mortgage fraud is a criminal offence. It is illegal to falsify your income in order to
obtain a mortgage.

IMS will not normally charge a fee for arranging your
mortgage, however depending on your circumstances an
arrangement fee of up to 2% will be payable on completion
of the mortgage. For example, if we charged a fee of
0.5% and your total borrowing was £100,000, we would
receive a fee of £500.00. Similarly if the fee was 2% we
would receive a fee of £2,000. This can be added to
your loan. In addition we will be paid commission from
the mortgage lender upon completion of the loan.

Independent Mortgage Services and IMS are trading styles
of Neale Morton (IMS) Limited which is authorised and
regulated by the Financial Services Authority.
IMS firm registration number is 307533. You can check
this on the FSA’s Register by visiting the FSA’s website
www.fsa.gov.uk/register or by contacting the FSA on
0845 606 1234