Self-Certification mortgages were first introduced over a decade ago for people who could not easily prove their income. It is sometimes difficult for people to get loans and mortgages. Also known as 'self-cert' and 'non-status' mortgages they were originally designed for self-employed people but are now often also a choice for employed people who cannot prove their income to get home loans. Self-Certification mortgages allow you to self declare your income if it is not easily provable. This can be very helpful if you have multiple incomes, commission, or work on a contract basis.

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 lenders' product. Many mainstream mortgage lenders do not necessarily provide the best options for your needs. Many understand that lots of self-employed people cannot easily prove their full income. Even 3 years accounts may not accurately reflect your current income. Our partner mortgage brokers can discuss your options and find the online mortgage to suit your requirements...