Self Certification Solutions
Self certification is for people who have difficulty proving their income. This could be because they are self employed and have not been trading long enough to show accounts, or they have more than one job or have income from sources not usually recognised by lenders (tips, pensions, investments, maintenance).
Self Certification mortgages usually have higher rates of interest, so if you can prove your income you are likely to be better off if you do not apply for self certification.
It is important that you understand the responsibility to pay your mortgage and we will work with you to ensure that you don't over borrow. Being self employed can have it's ups and it's downs and our job is to protect you and your family from the effects of changing markets.
The information you provide must be consistent and realistic as lenders will ask for proof on income if they feel that your income predictions are in any way unrealistic.
