Self certified mortgage deals

Let us find the juiciest quote for you

There are hundreds of self certified mortgage deals in the UK and finding the right one can be time consuming and frustrating.

If you’re searching for a self certified mortgage deal, First Mortgage can help you find the very best offers from the whole of the UK market. We don’t charge a thing for our service, providing a totally impartial and free market search.

Find a self certified mortgage deal

What is a self certified mortgage deal?

If you are a freelancer, an unsalaried director, work on commission or otherwise have trouble proving regular income, this might be the right choice for you. Instead of providing standard financial data, such as payslips, to be approved for a mortgage, all you have to do is sign a declaration agreeing that you can afford the monthly repayments. Most lenders will only ask you to sign a declaration agreeing that you can afford the loan repayments, however, as advisors it will be necessary for us to assess affordability and to do so we will ask you to provide reasonable evidence of your earnings.

PLEASE NOTE: Although the Lender may not require evidence of income, we will require evidence so that we can establish affordability of the mortgage. We will not give advice or process a loan where we cannot evidence sufficient income to meet the mortgage commitments.

Is a self certified mortgage deal right for you?

It’s worth taking a look at the following points before you decide to take out a self certified mortgages. Although they are very useful deals for a wide variety of people, they are not right for everyone:

- You don’t need to provide accounts, payslips or statements to be approved

- Fixed, capped, tracker and discount deals are all available

- This may be a good choice for: people on multiple incomes; part-time employees; workers on a bonus-reliant income; people who receive much of their income from shares and investments; unsalaried directors; commission workers; contractors, and freelancers

- If your current income doesn’t reflect what you expect to earn in the near future, you can self-certify to take that into account

- However - due to increased risk for the lender, this type of deal generally has higher interest rates than traditional mortgages

- Often requires a large deposit, at least 15%

If you would like to learn more about self certified deals, please feel free to call us on 0845 603 1525. We are happy to discuss your situation and help you choose the best option.



  • Our whole of market service provides an unbeatable choice of mortgage lender.
  • We have negotiated many ‘Exclusive’ market leading deals for our clients only.
  • Your own dedicated mortgage advisor manages your application from start to finish.
  • We do all the paperwork and work with lenders to ensure everything goes smoothly.
  • Our mortgage advisors are expert in every type of money saving remortgage.
  • Branches throughout Scotland
  • Specialist help for first time buyers and homemovers with Property Law Centre
  • Scotland’s longest established mortgage advisors
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