Who does a Self Certification Mortgage suit?

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Who does a Self Certification Mortgage suit?

In recent times a vast number of the UK’s population are choosing to work for themselves, or they have multiple incomes, or have very flexible contracts with their employers. These people have irregular incomes, and can sometimes have problems when trying to obtain a mortgage. Self Certified mortgages are made to cater for these situations, i.e. people who are classified as self employed, or having irregular incomes, or even if they earn their living from investments / bonuses. In other words people who can not verify there future income. Under most self certification mortgage you must certify your income which you have gained from being employed for the past six months or by being self employed for the past year, This does not have to be independently confirmed. The income which you have stated might not need any documented evidence; however depending on the lender they might ask for an accountant to back up your statement. The amount you can borrow is based on what you have stated, and depending on this information, and on the lender, you could borrow up to 85% LTV. If you require a self cert mortgage, you can find out more by filling out our quick mortgage application form, and an advisor will contact you to discuss what options are available.