Mortgages Types > Self certified mortgages > Self certified mortgage rates

Self certified mortgage rates

Let us find the juiciest quote for you

There are some great value self certified mortgage rates available through dozens of UK lenders - but it can be difficult trying to find the right one.

First Mortgage is an impartial broker that searches the whole of the market. We provide a completely FREE service that will find the best self certified mortgage rates for you.

Find great value self certified mortgage rates

What is a self certified mortgage?

This type of deal is increasingly popular with a broad range of borrowers, particularly the self-employed and those with non-traditional means of income. You do not need to produce financial documents such as payslips to be approved for this deal. It’s designed for people who are unable or unwilling to prove their income, or for those for whom current statements don’t give a true picture of yearly earnings. However, because of the increased risk to the lender, self certified mortgage rates are higher than standard deals.

Is a self certified mortgage rate right for you?

Although self certified mortgage rates can be some of the highest on the market, there are many benefits to this type of deal. Before you decide whether it is suitable you should consider the following points:

- Accounts, payslips and statements are not required to be approved

- Deals are available as fixed, capped, tracker and discount rates

- It’s a popular choice for all kinds of borrowers, including freelancers, unsalaried company directors, part-time employees and even people with bad credit history

- 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, you will usually have to pay higher interest than with traditional mortgages

- Usually requires a larger deposit (the higher the deposit, the better the interest rates)

Call us on 0845 603 1525 for advice, assistance and information. First Mortgage prides itself in finding the very best deals on the market.



Mortgage quote

Get quotes prepared fast and easy from our award winning brokers starting, with our smart online form. Quote request

Find a branch

UK branches offering face to face advice and still no charges or fees. Find us

Mortgages Types
Call us

Unsure where to start? Call our advice team now for free, impartial, experienced advice. Call us

Best rates

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

Quick Links

First Mortgage, the UK’s specialists in sourcing mortgages, remortgages and protection plans, are actively encouraging clients in Scotland (...)
Find out more

Related Links
Mortgage tools