Self Cert Mortgages FAQ's

Back to home

UK Mortgage Lenders
Simply complete the form

We'll compare over 100 Self Cert mortgage deals

No obligation

Are you looking to:

How much would you like to borrow?

Estimated value of your property?

Are you a first-time buyer?


Are you employed or can prove your income?


Do you have any CCJs?


Have you missed any payments in the last 7 years


About you

* indicates required data

FAQs - Self Cert Mortgages

What is a self cert mortgage?
Self cert is short for self certification, which means that the borrower has no regular salary and therefore "declares" their average income. This may be necessary when the borrower is self employed, a company director or paid on a contract or commission basis, for example. The lender usually covers the increased risk by demanding a larger deposit and slightly higher interest rates.

How much should I declare when I apply for a self cert mortgage?
You are not required to provide documentary evidence of your income, but the mortgage lender will check your credit history and may verify the information you give. However, the income you declare is often less important than the deposit you can put down.

What percentage of the value of the property will I be expected to pay as a deposit?
Deposits usually start at 10%, but subject to your status and credit record, some mortgage brokers will lend up to 95% of the property.

Can I get a self cert mortgage even if I have bad credit?
Yes, it is possible, but the kind of deal you can get will depend very much on your circumstances. Speak to one of our advisors to find out more.

How can you help?
We are experienced in helping people find self cert mortgages and have an in-depth understanding of this growing market. Start by filling out the above form to get a clearer picture of what you might be expected to pay, then give us a call to find out more.

The Mortgage Broker – Call us on 0800 822 3355

Other Useful Sites

The Mortgage Broker are specialists in Self Cert Mortgages. Complete the form above and One of our qualified FSA Regulated mortgage brokers will compare to find you the best deal.

For Quotes & Advice on Self Cert Mortgages deals complete our comparison enquiry form.

Compare Bad Credit Mortgages

Bookmark this page:

BlinkList Digg it Furl reddit Yahoo MyWeb Google Netscape StumbleUpon ma.gnolia Spurl Rawsugar Netvouz Facebook

Valid CSS! Valid XHTML 1.0 Strict