Physical Therapist , Full time |
| Overview : Shift: Day Qualifications : Requires a graduate from a school accredited by the American ... |
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Occupational Therapist (PerDiem/Pay per visit, East valley) |
| Overview : Shift: Day (Hours vary depending on staffing needs)
Responsibilities :
Home visits.
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Therapy Technician A |
| Overview : WE HAVE EXCITING NEWS!!!!! Do you like technology and the idea of being part of a brand ... |
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Certified Occupational Therapist Assistant, COTA, Rehab |
| Life Care Centers of America is the nation?s largest privately held provider of post-acute ... |
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Physical Therapist, PT, Rehab |
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Life Care Centers of America is the nation?s largest privately held provider of post-acute ... |
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Occupational Therapist - pool |
| Overview : This position is responsible for the evaluation, planning, administration and ... |
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Travel Respiratory Tech |
| Overview : Both day and night shifts available. Travel position.
Qualifications :
Requires a C... |
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Occ Therapist POOL |
| Overview : WE HAVE EXCITING NEWS!!!!! Do you like technology and the idea of being part of a brand ... |
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Physical Therapist / PT |
| Innovative Senior Care (ISC) has great full-time, part-time, and PRN job opportunities for you in ... |
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Speech Pathologist |
| Sun Health Boswell Hospital is recruiting for a Speech Language Pathologist.
Must be a ... |
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Q&A
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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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