Self Certification Mortgages UK

Self-Certification mortgages were first introduced around a decade ago for people who could not easily prove their income. Also known as self-cert and non-status mortgages they were originally designed for self-employed people but are now often the best choice for people who have a large part of their income in bonus or cannot prove their income.

Self Certification mortgages allow you to self declare your income if it is not easily provable. If you are one of Britain’s 3.3 million self-employed people then you may have a problem finding a regular High Street mortgage product. Many mainstream lenders do not necessarily provide the best options for your needs. Our partner mortgage brokers understand that many self-employed cannot easily prove their full income. Even 3 years accounts may not accurately reflect your income as your accountant may have mitigated your profits for tax purposes. Our partners source with specialist lenders who take a more flexible approach to income verification and provide innovative solutions for your circumstances.

Self-certification mortgages are not exclusively for the self-employed and may be the right choice for you. Are you one of the following:
- Commission based worker e.g. recruitment or sales
- Multiple incomes e.g. rental income
- Contracted workers
- Unsalaried company directors
- NO payslips or accounts
- Seasonal workers

If you are one of the above a self certification mortgage may be the right choice for you. Friendly, qualified staff are waiting to find the right mortgage solution for you.

Disclaimer-This is an independent marketing website and not a lender or broker. We do not sell or recommend mortgages. We pass on your enquiry to mortgage providers. We cannot and do not offer financial advice. We are not responsible or liable for any financial service or mortgage product obtained through a third party. A mortgage enquiry from any page in this site does not constitute an application or offer to provide a mortgage or remortgage. 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.
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