Self-certification mortgage / mortgage self-cert
Are you self-employed? Or are you unable to verify the level of
your annual income? Then a self-employed or self-certification mortgage
is right for you. We are specialist mortgage brokers and can help
you find the most competitive self-employed or self-cert mortgage
to suit your personal needs.
Self-certification means that you make a statement confirming your
annual level of income. A self-certification mortgage is a popular
option with those that are self-employed or those who have a high
percentage of their income based on a bonus or commission, which
could fluctuate from month to month.
Many traditional mortgage lenders are adverse to lending to the
self-employed, as the proof of salary or income does not meet their
lending criteria. This is also true for sales people or independent
financial advisors, where the bulk of their earnings is based on
commission income. However, we work with many specialist lenders
who understand the needs of the self employed and offer a broad
range of suitable mortgages, such as: buy-to-let, self-certification
and status mortgages.
Our experts can give you objective, confidential advice on what
mortgage option is best suited to your needs and help choose the
mortgage that is right for you. Since we are brokers, we only have
your best interests at heart. To see what we can do you for, contact
us via this website for a confidential mortgage quote.
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