Self certified or self cert mortgages are arrangements where the Lender will advance money without the client needing to prove their income.

This type of arrangement is ideal for the self employed client, those who have more than one source of income, or those paid with a high element of commission or bonus.

Available to both employed and self employed applicants (including first time buyers) we can arrange self certified mortgages of up to 95% of purchase price. We can even help self employed people with as little as one days trading history. There are also a range of deals available for clients with a poor credit history.
To be clear, a self certified mortgage means that you state, but do not have to prove, your income. No wage slips or accounts will be required.

Self certified mortgages should not be confused with the more common fast track mortgages where the Lender does not usually ask for proof of income but reserves the right to do so.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your   mortgage.  There may be a fee for mortgage advice. The exact amount will depend on your circumstances, but we estimate it to be     £1500 / 1.5%.

 The overall cost for comparison is 7.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.