Let us find the juiciest quote for you
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.
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.
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 usually has higher interest rates than traditional mortgages
Often requires a large deposit
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.
Get quotes prepared fast and easy from our award winning brokers starting, with our smart online form. Quote request
Unsure where to start? Call our advice team now for free, impartial, experienced advice. Call us
Guaranteed!
With a whole of market choice that simply won't be beaten, find better and we happily match this while refunding TWICE the first years payments difference - guaranteed!
One shop - every lender - FREE whole of market advice!
Find out more
First Mortgage, the UK’s specialists in sourcing mortgages, remortgages and protection plans, are actively encouraging clients in Scotland (...)
Find out more