Self Certification Mortgage

A Self Certification [Self Cert] mortgage is designed for borrowers who are unable to get a standard mortgage because they either find it difficult to, or cannot provide evidence of their income. For example, the self employed or contract workers.

What type of rates are available?
Most banks and building societies now have a specialist branch dedicated to Self Cert lending. 

A full range of rates are available, including;

• Fixed
• Capped
• Discounts
• Trackers
• Flexible

How does it work?
Self Cert mortgage lenders require you to accurately and honestly state your income.  The lender will not seek evidence of this, but you may find the products are slightly more expensive due to the increased risk the lender takes.

Make the right choice for you
With many lenders offering this type of mortgage it’s important to shop around and compare deals to find the right one for you.  The best way to do this is with the help of a qualified financial advisor, trained to provide advice that will help you to make an informed decision.