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 Financial Accountant
Opportunity available in financial accounting. Position provides direct contact to executive ...


 Assistant Treasurer
Infinity Insurance Company is a leader in the auto insurance industry with over 2,000 employees.&...


 Sr Risk Advisor/Consultant - General Audit
Senior Risk Advisor ? Consultant/General Audit   Looking for a chance to make a difference? ...


 Small Business Staff Accountant
Slappey Communications is a regional leader in the sales and service of complex solutions involving ...


 Tax Technician
KPMG LLP is the audit, tax and advisory firm with the strongest growth record over the past decade. ...


 Business Development
Founded in 2002, Atlanta-based Callaway Partners is an accounting, professional services firm ...


 Senior Compliance Accountant
– Monitors the regulatory environment and emerging regulations and issues affecting ...


 IT Audit Senior Associate - CIPS
Job Description -- PricewaterhouseCoopers is currently looking for individuals with strong IT audit ...


 Senior Associate, Audit
KPMG LLP provides audit, tax and advisory services to a broad range of clients. KPMG?s commitment ...


 Shelby County Company Needs experienced Accounts Payable/ Accounts Receivable Clerk!
Premier Staffing Solutions is NOW HIRING!   if you are tired of driving into the city... ...


 Q&A

I am self-employed and think that I may need to get a 'self-certification' mortgage to buy a home. But I'm wondering if there is any chance that I could avoid this and simply get an ordinary mortgage instead.

This is quite possible - depending on your circumstances - and is well worth investigating since self-cert mortgages typically charge 1 per cent more than comparable deals at the moment.

Many lenders have recently become far more flexible with part-timers, the self-employed, people earning commission and others whose income may be variable.

Traditionally, self-certification was the route for people who could not provide three years of accounts, but adviser London & Country Mortgages says that 'a lot of lenders' will consider offering standard mortgages to people with 12 months' accounts and a projection for the next year as long as they can find a substantial deposit themselves (probably 25 per cent of the property's value).

However, your particular circumstances have a bearing. If, for example, you were working in the same line of business before setting up as self-employed, you may be able to argue that your income is quite predictable and that you would be a better bet than someone starting completely afresh.

You can do some research yourself - searching under 'self-certification mortgages' on the internet, for instance.

Moneyfacts (available at £7.50 per issue on 0870 2250100) publishes a monthly listing of financial products, including the details of 41 lenders currently offering self-cert deals. Knowing something about the market yourself is a very good starting point - but you may need to go to a mortgage adviser.


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