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Frequently Asked Questions

What happens to my details?
The information you provide will be used for credit scoring
and assessment by an underwriter in connection with your application.

Can I apply if I'm self-employed?
Yes, applicants who have been self-employed for at least a year may apply, providing they were in their previous job for
at least two years.

What if I have (CCJ's) or Defaults?
Each application is assessed on its own merits. Provided CCJ's or defaults registered within the last 36 months do not total more than £2500 and those registered in the last 12 months total no more than £500, an application will still be considered.

How long will it take for me to get my money?
Once your application has been provisionally accepted, you will receive an offer pack including a Credit Agreement for signature. You may also be asked for proof of earnings and address. Once these details have been satisfactorily verified, your cheque will be posted immediately.

What happens if I lose my job?
For peace of mind and security, our lenders provide a Payment Protection Policy. The policy may provide help with your loan repayments in the event of sickness, redundancy, disability or death. We strongly recommend that applicants take advantage of the Protection Policies available.

Mortgage rates as low as 3.84% APR Overall cost for comparison 7.9% APR

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Our lowest rate is 3.99% APR. Overall cost for comparison is 7.9% APR, most people will recieve a lower rate.
The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
The APR is variable and based on a usual case.

Emortgage.co.uk is registered in England, No. 05555738. Registered office - Vantage House, 6-7 Claydons Lane, Rayleigh, Essex SS6 7UP

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

Can I apply if I'm self-employed? Yes, applicants who have been self-employed for at least a year may apply, providing they were in their previous job for at least two years.

What if I have (CCJ's) or Defaults? Each application is assessed on its own merits. Provided CCJ's or defaults registered within the last 36 months do not total more than £2500 and those registered in the last 12 months total no more than £500, an application will still be considered.

Can I apply if I'm self-employed?
Yes, applicants who have been self-employed for at least a year may apply, providing they were in their previous job for
at least two years.

What if I have (CCJ's) or Defaults?
Each application is assessed on its own merits. Provided CCJ's or defaults registered within the last 36 months do not total more than £2500 and those registered in the last 12 months total no more than £500, an application will still be considered.