Self
Certification Mortgages
Find Today's
Leading Self Certification Mortgages. Compare Self
Cert Mortgages. How To Apply for a Self
Certified Mortgage.
A Self Certification Mortgage
is an option if you are self employed and, or cannot
provide three years proof of income. To get a
self cert mortgage you will be asked to declare
your income. Your lender shouldn’t then have to look
at your account. While some self cert mortgages
lenders will ask for no proof at all of your
income, others may ask for an accountant’s
certificate stating that your income will service
the loan. A lender may also ask for bank statements
which cover a particular period so they can look at
gross income.
If you have a
landlord or already have a mortgage then you can use
these as a way to show that you have always paid the
mortgage or rent.
Usually a self
certification mortgage is only given to the
value of 75% to 85% of the property, so you will
have to be able to find the rest of the money for a
deposit. Some self cert mortgages will have
higher interest rates.
There are a number of companies who
offer competitive
self certification mortgages. Use one of our
free
Self Cert
Mortgage Calculators to compare different
Mortgages.
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