When it comes to ascertaining your income for lending purposes, some lenders will simply take your word for it.

Self certification mortgages were introduced over a decade ago and were designed mainly for those who had a reasonable deposit but were unable to show their true earnings – usually the self-employed.

For the self employed to get a mortgage, three years’ audited accounts would usually be required. But even if the applicant had such records, their accountant would have minimised their income on paper for tax purposes.

Fortunately, there are mortgage lenders that realise there is a growing number of self-employed borrowers who have different needs to those who can rely on a regular income. 

The idea of self certification (or self cert) mortgages is that, having put down a decent deposit, you then simply state what your income is, without proving it. 

As independent mortgage advisors, we'll give you details of the best self cert mortgage rates selected from all the products currently available in the UK.

We have access to some exclusive products

Some of the specialist mortgage lenders operate solely through brokers such as ourselves and as a consequence we have access to some exclusive products.

As a self-cert borrower, the range of mortgages available to you has improved in recent years. There is a range of fixed rates, discounts, tracker mortgages and even flexible deals available on a self-cert basis. 

Contact us for a no obligation quote  

We are experts at arranging competitive mortgages for the self employed. It costs you nothing to see what products are available and what your options are. 

Simply contact us today for a no obligation mortgage quote.