About self-employed mortgages

If you are self employed and looking for a self certification mortgage, Ocean Mortgages could help. We consider ALL circumstances. At Ocean Finance we are dedicated to providing you with a mortgage that matches your needs whilst giving you an honest, fair and efficient service.

Furthermore you will not be expected to pay any upfront fees for our services and we will not charge you any legal or valuation fees.

We provide you your very own qualified mortgage adviser to find and recommend the best mortgage or remortgage for your needs.

  • By using our extensive panel of lenders (many of whom specialise with mortgage plans and experience of arranging finance for people with current or past credit problems), Ocean Mortgages are often able to help arrange refinance mortgages for many.
  • All of our mortgage advisers hold the 'Certificate in Mortgage Advice & Practice’ (CeMAP) qualification, so you can be sure you are dealing with a company who will provide you with a first class service.
  • We arrange for all of the processing and legal work to be completed on your behalf, thus ensuring your remortgage is arranged with the minimum of fuss

Self-certification Mortgages

Self-certification mortgages and remortgages are available from Ocean Mortgages for clients who cannot verify their income as it may come from a number of sources, or they may not have been trading for long enough to have the required number of years accounts, or they may have a low basic salary but achieve bonus or commission payments or a regular second income. We will require details of your income but do not require a vast amount of paperwork to go with your declaration of income.

Enquire online for a free quote and no-obligation mortgage advice

Could help you save money

Remortgaging your home at a better rate than your existing mortgage could result in lowering your interest payments every month. In other words, remortgaging could help you save money.

Raise extra cash

Remortgaging may be beneficial if you want to release money tied up in your home - This means that remortgaging your property could allow you use the money tied up in your home to make home improvements, buy a newer car or take a vacation away. Remortgaging could also be used to consolidate your existing debt into one manageable monthly repayment. You could use debt consolidation remortgages to release money from you home to pay off your other outstanding debts.

Change your mortgage term

Your circumstances may have changed enabling you to pay back more or less money than you could previously. By changing your mortgage term you could alter your monthly repayments. It is however important to note that if you extend the length of your mortgage you will be paying back more money over the term of the mortgage agreement.

At Ocean Mortgages we aim to make the process of remortgaging as straightforward as possible so when you enquire for a mortgage a fully qualified mortgage adviser will guide you through the remortgaging process, so enquire online to receive no obligation help & advice.

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Based on Feefo.com reviews - 99% of customers who left an Ocean Finance review recommend us with an average rating of 4.9 out of 5 from 553 reviews left by Ocean Finance customers (as of November, 2016)

Ocean Mortgages arranges mortgages and re-mortgages from a panel of lenders. Ocean Mortgages will receive a commission from the lender upon completion. Ocean Mortgages charge a broker fee of between £495 to £1995 for advising and arranging a mortgage. This fee is only payable upon completion, is non-refundable and dependent on the product taken. Mortgages available subject to status. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.