Mortgages
Self Certified

Self Certified
Let MortgageSearcher find the right mortgage for you

Most mortgage lenders want to see proof of your income before they will approve you for a mortgage. But if you are self employed or can’t prove your income in the ordinary way this presents a real problem: You know that you can afford the mortgage you want but can’t prove it.

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All of our advisors have access to the full range of “self cert” mortgages that are specifically for customers in this position.

 
Self Certified Mortgages

If you are self employed, have a large part of your earning made up by commission or draw income from a variety of sources, MortgageSearcher advisors are the UK’s leading source of self certification mortgage advice.

Self Certified Mortgages (also known as non-status mortgage) were created for people who need to self certify their own financial assessment to a lender to get a mortgage. You may seem financially sound and able to afford payments yourself, but you are unable to get a mortgage certificate.

This could be because you are:-

  • self-employed.
  • On a short term contracts.
  • On part-time contracts.
  • Commission based income, your earnings may be assessed frequently by your employer.
  • Receiving seasonal wages or earnings.
  • Receiving more than one source of income (maybe from a partner).

Our network of independent mortgage advisors are specialists in arranging mortgages for clients who cannot meet the usual range of income checks. Instead, our advisors can base applications on a simple declaration of income, saving both time and complication when putting new mortgage arrangements in place.

Get the individual, professional advice you need and the best mortgage deal for you, with no obligation, from one of Mortgage Searcher’s leading experts.

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