What LTV can I get on a self certificate mortgage?

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What LTV can I get on a self certificate mortgage?

Self certificated mortgages have been developed to help people bridge the gap of lenders affordability criteria, these have been designed for those who have difficulty in proving there income. If is particularly useful for those of the UK’s population who are classified as self employed or those who have multiple or irregular incomes. The income multiples that lenders consider for these mortgages are the same as those that they would give for some one applying for a conventional mortgage, this could range from 2.5 times to around 3.5 times the income, depending on the mortgage lender. When the mortgage lender is determining how much you can borrow, they will take into consideration factors such as any over time, bonuses, commission any other jobs, any help for maintenance you may receive from the employer, any state benefits you receive including pensions, and also if you have a second home your rental income for that. However factors such as debt from loans, credit cards, and any other liabilities will affect the amount you can borrow. Self certificted mortgages are designed in a way that they base a lot of trust on your basis of income assumptions and on declaring what you can earn. Thus it is vital you do not over estimate how much you could possibly be earning. It is also illegal to overdeclare, and the lenders do take this very seriously, as they expect all information to be based on good faith. Generally self cert mortgage lenders in the UK will offer you up to 75%-85% LTV .

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