Self certified mortgage information

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Find free and impartial self certified mortgage information with First Mortgage – the impartial broker you can bank on.

We scour the whole of the market for the best deals and offer an information service to help you find the right offer. Call us now on 0845 603 1525 for an immediate quote.

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What is a self certified mortgage?

Many people are unable or unwilling to prove their income. This could be for a variety of reasons – from working overseas to having a commission-based salary. Your current account details may not even reflect your future earnings. Whatever your situation, you can arrange a mortgage deal by self certifying. This means that you sign a declaration of earnings without providing payslips or account details.

As with all types of secured loan you need to make sure that you don’t borrow more than you can afford to repay. Visit our calculator page to find out what your monthly repayments could be and to make sure that you don’t overstretch your finances.

More self certified mortgage information…

It’s worth considering the following points of self certified mortgage information before you make a decision.

 Accounts, payslips and statements are not required to be approved for a self certified mortgage

 You can arrange a self certified deal at any interest rate type that you would find with traditional mortgages, including fixed, capped, tracker and discount

 Suits a broad range of borrowers, including people on multiple incomes, part-time employees, bonus-reliant income, people who receive much of their income from shares and investments, 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

 Due to extra risk for the lender, self certification usually has higher interest rates than traditional mortgages

 Usually requires a larger deposit than comparative mortgages (the higher the deposit, the better the interest rates)

Call us on 0845 603 1525 for more self certified mortgage information. We are happy to discuss your situation and help you choose the best option.

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