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Self certified or 'self cert' mortgages are arrangements where the Lender will advance money without the client needing to prove their income.

This type of arrangement is ideal for the self employed client, those who have more than one source of income, or those paid with a high element of commission or bonus.

Available to both employed and self employed applicants (including first time buyers) we can arrange self certified mortgages of up to 75% of purchase price. There are also a range of deals available for clients with a poor credit history.

To be clear, a self certified mortgage means that you state, but do not have to prove, your income. No wage slips or accounts will be required.

'Self certified' mortgages should not be confused with the more common 'fast track' mortgages where the Lender does not usually ask for proof of income but reserves the right to do so.

Our unique service means you can obtain advice and arrange your mortgage quickly, online, without having to see an Adviser. To find out more click here.

Summary

  • Full Status Mortgages - Lender will always ask for wage slips, P60's, or accounts
  • Fast Track Mortgages - currently up to 90% loan to value - Lender will not usually ask for proof or income but reserves the right to do so
  • Self Certified Mortgages - currently up to 70% loan to value - Lender will not ask for proof of income

To enquire click on the mouse at the top of the page.

Telephone us at local rates on 08456 44 0950 or 08456 44 0960