What is Self Certification?

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What is a Self Certification Mortgage?

Self certification mortgages have been available for the last decade. They were introduced to help home buyers who had funds available for a deposit on a property but were unable to demonstrate their true earnings, often because they are either self employed or working as a contractor.

Approval can be within 60 seconds with some lenders and we can therefore set the ball rolling almost immediately. Make a NO OBLIGATION enquiry now!

High Street lenders use salaries declared on P60s and wage slips to determine how much they can ‘safely’ lend. If you do not fulfil their criteria of requesting a mortgage that is no more than 3 or 4 times your proven salary you are likely to be rejected.

If you are self employed or a contractor caught out by High Street lenders’ requirements self certification mortgages may offer a practical, easy solution with minimal paperwork.

In essence self certification means that you do not have to prove your earnings. We at Self Cert Mortgage UK can help identify the best lender to meet your mortgage needs.

Self certification mortgages are often capped at 75% of the property value but using a flexible approach we can arrange levels of up to 85%. The rates charged are only marginally higher than those you will find on standard High Street mortgages, generally this is no more than an additional 0.25% p.a.

Completion of the enquiry form will start the ball rolling and then Freelancermoney will contact you to discuss the wide range of products available – flexible, offset, repayment, interest only, trackers, discounted rates and more, identifying the right mortgage for your needs.

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