Self Certification Mortgages

Important notice

We are currently unable to arrange self certification mortgages.

One of the consequences of the Banking credit crisis is that mortgage lenders have withdrawn from this type of lending.

We will be watching for any development in this area

Self Certification mortgages were introduced by mortgage lenders for clients who have difficulty proving their income.

Self certification means you do not need proof of income. This will speed up the processing of your mortgage application.

This type of mortgage is not intended for people who simply do not earn enough.  Mortgage lenders do not want to lend to people who may get into trouble.

A borrowers income should be UK taxable income. This means that it should derive from a legitimate occupation and be potentially taxable in the UK. Examples of unsuitable sources of income would be 'income from family' or 'income from abroad'

You can purchase a property using a self certification mortgage. Contact us to make sure you are getting the best self cert mortgage rates

You can remortgage a property using a self certification mortgage. We recommend you review your mortgage arrangements regularly to check you are getting the best self cert mortgage rates possible

Use our self certification mortgage calculator to get an indication as to what your mortgage payments will be.

A borrower will need to have a larger deposit for a self certification mortgage.  The larger the deposit available the lower the mortgage rates will be. Please read the page self certification deposit for further information regarding the deposit needed.

Self certification mortgage lenders have different rules for lending to employed and self employed applicants. Please click on the links for more information.

Consideration should be given to how to repay your mortgage and how the mortgage interest will be charged.