A self certification mortgage is a where a mortgage lender will make an offer based on what an applicant's potential earnings are rather than what income they can prove. Whereas standard mortgages in the past may have offered loans up to and in excess of 100% loan-to-value, self-certification mortgages require a deposit, with a maximum loan-to value of 95%, and nearer 75% in some economic climates.

Self certification mortgages are generally applied for by those who are self-employed and without 3 years full accounts. However, with changes in working patterns more people have found this option suits them, and a self certificate home loan may be suitable if you are employed with a variable monthly income, multiple incomes or investments.