Compare Self Certification Mortgages

Self-certification mortgages are available for clients who cannot verify their income. This may be because the income comes from a number of sources, or they may have a low basic salary but achieve bonus or commission payments or a regular second income. Typically the self-employed may be unable to prove their income by way of certified accounts or they may not have been trading for long enough to have the required number of years accounts.

Consequently, some lenders provide mortgage finance on a self-certification or non-status basis. Self-certification means that the earnings figure declared on the application form is accepted by the lender without proof. Non-status means that the loan applicant does not provide earnings information at all. Credit checks will be conducted and previous lenders' references may be sought in both cases.

It should be remembered that it is a criminal offense to lie about your income.