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Self Certify
Self-Certification (also known as Self-Certified) mortgages are ideal for applicants whose income is not easily verifiable.
Self-Certification mortgages were designed for self-employed or non-salaried individuals to reflect the fact that their income is often difficult to prove.
A Self Cert mortgage would be beneficial if:
- You lack three full years trading accounts.
- You have accounts but your income has been minimized for tax purposes.
- You are a contract or seasonal worker.
- Your current earnings are significantly greater than your accounts can prove.
- You have irregular income in the form of commission or bonuses.
- You have multiple jobs.
With a Self Cert mortgage you do not have to provide accounts, pay slips or other proof of income, instead you certify that you have sufficient income to service the repayments. In some cases the lender may ask for an accountant's letter or basic reference, to confirm your ability to meet the monthly payments.
You could qualify for up to 90% of the purchase price.
Even if you have adverse credit or previous arrears we have access to lenders who can help.
The overall cost for comparison is 6.1% APR.
The actual rate available will depend upon your circumstances.
Ask for a personalised illustration.