Compare Self Certification Mortgages

Compare the best self certification mortgages available in the UK and find the right self cert mortgage for your needs in minutes. We explain how self certified mortgages work and why they can be a good option for the self employed, so that finding the best deal is easy.
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Glossary of TermsCompany / ProductSelf Cert AcceptedMortgage TypeInitial RateFinal RateMortgage APRMax LTVMore
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CompanyAPREnd Date  
Ipswich Building SocietyIpswich Building Society All ProductsyesStandard5.49%term5.49%5.6%90%Ipswich Building Society Mortgages Proceed
 
Available for existing customers only. N.B. Such mortgages may not be displayed on the lender's website.
Bank of ScotlandBank of Scotland All ProductsonlyFixed Ratefrom5.49%up to31 Mar
2013
4.84%from4%up to85%Bank of Scotland Mortgages Proceed
 
Available for existing borrowers only. N.B. Such mortgages may not be displayed on the lender's website.
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Self Certification Mortgage Guide

Why self-certification mortgages can be a good option for the self employed.

Self-certification mortgages are available for clients who cannot verify their income. This may be because the income comes from a number of sources, or they may have a low basic salary but achieve bonus or commission payments or a regular second income. Typically the self-employed may be unable to prove their income by way of certified accounts or they may not have been trading for long enough to have the required number of years accounts.

Consequently, some lenders provide mortgage finance on a self-certification or non-status basis. Self-certification means that the earnings figure declared on the application form is accepted by the lender without proof. Non-status means that the loan applicant does not provide earnings information at all. Credit checks will be conducted and previous lenders' references may be sought in both cases.

It should be remembered that it is a criminal offense to lie about your income.

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Disadvantages

NB This information is provided to give you an overview of the different types of mortgages available. It is not comprehensive and you should not base your mortgage decision on the information found here. We recommend you seek professional advice in order to determine the most suitable mortgage for you.

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