Self certification (also know as self certified) mortgages are ideal for applicants whose income is not easily verifiable.
If you are self employed, a company director, contract worker or freelancer it is likely that your income is minimised for tax purposes, you may also be unable to provide three years trading accounts. As a consequence it can be difficult to secure the mortgage you want.
In short, if you know you can pay a mortgage, but have difficulty proving it in the usual way, we can help through a type mortgage which does not require evidence or proof of income.
With a self certified mortgage you do not have to provide accounts, payslips or other proof of income, but instead you simply certify that you have sufficient income to service the repayments. You could qualify for up to 95% of the purchase price.
Even if you have adverse credit or previous arrears you could still qualify for a self-cert mortgage.