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Mortgage type required: Purchase Remortgage Buy to let   Mortgage amount required?   Mortgage Period 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years 30 years 40 years 50 years Step 2.

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Estimated value?   First-time buyer? Yes No   Self-certify income? Yes No     Have you: Any registered Defaults or CCJ's? Missed mortgage or secured loan payments in the past year? Had an IVA or been declared bankrupt? Step 3.

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Estimated value? How much do you wish to borrow? Proceed to step 3.

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Mortgage Quote

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Self Certification is an increasingly popular way of obtaining a mortgage. Many people are now self employed or on short term contracts and don't have an income that's easily assessable. The amount they can borrow is based on a signed declaration of income.

Self Cert Mortgages are generally suited to those who are self employed, or employed but have an irregular income, due to bonuses and sales commission. A self cert also suitable for those who regularly undertake short term contract work, or have a number of jobs or are seasonal wage earners. If you run your own business you may not qualify for a conventional mortgage and a self cert could be the best method of obtaining your mortgage. High street lenders tend to approve mortgage applications for those who have long-term regular income, usually with at least three years accounts.

You can self cert your earnings without having to supply proof of income documentation, such as pay slips or fully audited accounts. Some lenders may require a document signed by your accountant to say that your income is sufficient to service the repayments.

If you have your own business you may on occasion have to produce business bank statements for a set period so the lender can look at the gross income you received.

Lenders may supplement this information with credit searches. If you are a home owner, you will be asked to supply your existing mortgage statements, and if you rent, the lender may ask for references from your landlord.

Many lenders who offer self certificate mortgages only accept business through authorised intermediaries. Using the services of a specialist mortgage broker you can get access to some exclusive self cert deals that are not available on the high street.

Would I qualify?

Self Cert Mortgages are available to most people not just the self employed. You can usually borrow up to 75% of the value of your property, although we can source 90% on a self cert basis.

As with any financial comittment you should be realistic about repayments on your mortgage. Having a shorter repayment term saves you money in interest but it will mean a greater monthly cost, whereas a longer repayment period will reduce the repayment but increase the amount of interest. You should aim to create a balance between paying off mortgages quickly and keeping the payments at an amount you can afford. This is something our mortgage consultants will advise you on.

Once we understand your financial situation, we will research the market and help you choose the self cert mortgage that is best fit for your circumstances. We will then coordinate the whole mortgage application process.

It is very important to note that if you make false declarations and/or inflate your income on a mortgage application form you may not be able to afford your mortgage repayments. You may also face criminal prosecution for mortgage fraud. All applications will be subject to a feasibility assessment.