Self Certification Mortgages and Remortgages

A self certification mortgage is a where a lender will make an offer based on what an applicant's potential earnings are rather than what income they can prove. Whereas standard mortgages may offer 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%.

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.

Speak to one of our partner mortgage broker to see what type of product would be most suitable for you. Our advisers will help you to select the most suitable deal for your circumstances whether you have accounts or not. You will be assigned a dedicated broker and processor who will work closely with your new lender, solicitor and surveyor to manage the process right through to achieving a satisfactory offer and completion of your online mortgage.