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Self certification is where an applicant has sufficient income to afford a chosen mortgage but cannot prove some or all of the declared earnings such as through presentation of payslips. This may be the case if one is either self employed, or has more than one form of employment and / or the income flows are irregular such as those with seasonal jobs or on short term contracts. Sales people whose annual gross income is substantially made up of commission earnings may also fall into this category. Applicants are able to and must certify their declared annual income level.

A key feature of self certification mortgages is that the applicant or borrower does not have to provide the lender with proof of the income. The applicant just declares their annual earnings and there are lenders who would accept this as the basis for providing a mortgage.

We at Mortgages UK-Wide have access to all the mortgage schemes available from all the lenders in the UK. All you need to do is to let one of our mortgage advisors help you to make the right decision, having regard to your personal circumstances and requirements. To find out how much you could borrow, please click the link below.

Or, you want a mortgage right now? Why not provide us with your details, requirements, and specifications right away by clicking here and completing a simple form. We, in return, will provide you with a number of quotations selected from the entire range of mortgage products available from all the lenders in the UK based on your requirements and circumstances, after which we will advise you on the most suitable product for you.