Self Certification

We can help arrange mortgages for people who find it hard to prove their income.

Typically they are self employed, company directors, contractors, people who have more than one job and income from various sources; such as investments, dividend income and rental income.

With a true self cert mortgage, you make a declaration as to what your income is, but you do not need to provide any proof. You simply state what your likely income will be, rather than providing documentary evidence such as accounts, P60s or payslips. This does not mean that you can over inflate your income, as this could be deemed to be mortgage fraud.  You should always borrow within your means. You may need to provide your accountants details, and your accountant may be requested to confirm that you are solvent and self employed.

Please call us on 0845 009 0064 for an initial no obligation discussion. Alternatively fill in the enquiry form on our contact us page and we will call you at your preferred time