We can take the stress out of looking for the best mortgage deal.

We search the whole market and compare available self certification mortgage products finding you the best mortgage rate from a mortgage lender that best suits your needs!

What is it?
A self certified mortgage allows you to declare your own income on the application without having to provide the evidence that is usually required when applying for a mortgage. The lender will calculate the amount you can borrow based on you and your partner’s income. The lender will then carry out normal credit reference checks. However, if you think you can prove you income then you might be able to apply for a standard mortgage.

Who is it for?
These types of schemes offer a way forward for the self employed, freelance and contract workers, those people that can not prove their income in a traditional way or have irregular income each month. The amount can include all of your income, i.e. bonuses, second income and pensions.

How much deposit do I need?
Typically the mortgage lender will normally require self certified applicants to have around 25% deposit before they will consider them for a home mortgage loan.

The interest rate you pay will be slightly higher than normal, but the rates are still competitive with a choice of different types of rate from a variety of lenders. In general the bigger the deposit you are able to put down, the better rate you will pay.

The overall cost for comparison is 7.9% APR