WE NO LONGER ARRANGE SELF-CERT MORTGAGES

Self cert mortgages self certification mortgages

Self cert is for anyone who is unable prove or does not wish to have their income confirmed. Self cert mortgage means no income references are taken up. Self cert mortgages are only available to self-employed people.

We can arrange this type of mortgage for you and there is no restriction even if you have an adverse credit history. See our rates page for more details.

Self-cert mortgages start at 80% loan to value. You must meet the following criteria.
Have a good reason why you wish to self-certify your income
An accountants' reference is preferred
Proof of self employment by VAT or Inland Revenue documents is required.
A minimum of 12 months self employment.
A previous employer reference will be required
Bank statements showing your income for a minimum of 6 months are required

The actual rate available will depend on your circumstances. Ask for a  quotation and keyfacts illustration Maximum loan to value is now 80%

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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