There are many reasons why an individual may not be able to provide evidence of their earned income, that is why a number of lenders now provide self certified mortgages, commonly known as a 'self cert' mortgage, where no proof of income is required.

Self Cert mortgages are ideal for people who are self employed, contractors, freelancers, company directors, commission based employees and generally anyone who finds it difficult to prove their income.

With a self cert mortgage, you do not have to provide any accounts, payslips or bank statements. Instead you simply certify your own income, no questions asked.

Whilst self cert mortgages were originally for borrowers with good credit ratings, this has now changed. In fact, it is just as common for a borrower with adverse credit to be offered a self cert mortgage, as is is with a borrower with an excellent credit rating. Allow our team of self cert mortgage specialists to obtain the best rate available for your circumstances.

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