Self Certification

Self certification mortgages are for people whose income is difficult to assess using the standard methods adopted by most high street mortgage lenders.

Bonuses, commission and overtime can cause income to vary over time or be difficult to guarantee and this may not be considered acceptable in order to get a mainstream mortgage. Many borrowers who go on to be excellent mortgage customers with specialist lenders routinely fail credit scoring processes with mainstream lenders.

In addition to the self employed, self certification mortgages are often suitable for:

• Unsalaried company directors

• Contract workers

• Commission based workers

• People with more than one income

• Freelance workers

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