Self certification mortgages are suitable for the self employed, contractors, freelancers, company directors, commission based workers and people with more than one source of income.

A specialist broker has access to the entire mortgage market in the UK and because of their independence, will source the best self certification mortgage (also known as self certified or self certificate) for you. With a self cert mortgage you don’t have to provide payslips or accountants’ statements to prove your income.

Self employed customers have traditionally been hard done by when applying for mortgages – they’re considered a higher risk and as such are charged more in both upfront costs and higher rates. But this unfair treatment has been removed thanks to the specialist self certification lenders who we work closely with. While the rules are different than with conventional mortgages, the restrictions have been markedly reduced.

Rates are now comparable to – and in some cases better than – those you’d find on the high street. You can get a fixed rate, a discount, a tracker and so on, just as with a conventional lender.

You can even take out a flexible loan, a godsend for many self-employed borrowers, who are more likely to have a variable income. So, when business is good, you can channel any spare cash into overpaying on your loan, while if it’s a quiet period you can reduce your payments. You can even plan such variations if, for example, your income is seasonal. 

Self-certification mortgages are not just for the self-employed nowadays. If you have more than one income. As many people now do, then proving it is not necessarily easy. 

So, if you have a second job, or revenue from investments and you need that income to count when applying for a mortgage, we'll find a lender to meet your needs.

Exclusive Products
A specialist broker has access to products which are not available on the high street and can tweak existing products to make them better for you. 

Simply complete the enquiry form, and let a specialist broker do all the shopping around for you and provide you with a no obligation quote.