Self Certified Mortgages

Self certification (also know as self certified) mortgages are ideal for applicants whose income is not easily verifiable.

If you are self employed, a company director, contract worker or freelancer, but cannot provide detailed records of audited accounts and tax returns for the past three years, it can be a struggle to secure the mortgage you want. 

In short, if you know you can pay a mortgage, but have difficulty proving it in the usual way, a type mortgage which does not require proof of income might be suitable.

With a self certified mortgage you do not have to provide accounts, payslips or other proof of income, but instead you simply certify what your income is and that you have sufficient income to service the repayments. You could qualify for up to 75% of the purchase price.

Even if you have adverse credit or previous arrears, there may be lenders who can help. 

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Tell The Truth

You may be thinking, if the lender doesn't check up on your income, what's to stop you stating an inflated figure in order to borrow more? It's important to tell the truth as lying about your income on a mortgage application is a criminal offence and in theory you could be prosecuted for fraud. 

There should be no reason to overstate your income as lenders will happily take into account all forms of your income, including second jobs, rental income, regular bonuses and overtime.