self certification mortgages

The overall cost for comparison is 8.6% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Self-certification (self cert) is a simple way of detailing your income without having to provide proof of income.

Self Cert mortgages are designed for people whose income is difficult to assess using the standard methods adopted by most conventional mortgage lenders. Whilst self cert mortgages are often on a slightly higher interest rate than their more conventional counterparts, the ‘self cert’ mortgage lender can often be far more accommodating as they appreciate that different working patterns require a more flexible approach.