Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

CREDIT REPORT SERVICES AND ONLINE EXPERT HELP ARE FULLY OPERATIONAL - PHONE LINES ARE CLOSEDCOVID-19 STATUS

ONLINE SERVICES FULLY OPERATIONAL
PHONE LINES ARE CLOSEDCOVID-19 STATUS

Self Certification

What are self-certification mortgages?

Self-Certification Mortgages were popularly used in the UK until they were banned in 2011 and removed from the market altogether in 2014 by the Financial Conduct Authority as a result of too many mortgages that could not be repaid by borrowers.

Self-Cert Mortgages were designed for people whose income was difficult to assess using the standard methods adopted by most conventional mortgage lenders. For this reason they were popular with self-employed people, as well as people on short-term or part-time contracts.


Q: Is there a present-day alternative?

A: Yes, but they’re run from Europe and as such aren’t regulated by the FCA, meaning you don’t get much in the way of protection if things go wrong. Provided you can prove historical evidence of your business’ earnings, most mainstream mortgage lenders will still be happy to provide a mortgage if you are self-employed anyway, so there should be little incentive to take out a form of credit that is not covered by the Financial Conduct Authority.

Jargon Buster

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