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No proof of income

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Normally when you apply for a mortgage, the mortgage lender needs to see proof of your income. They will certainly want to see pay slips or a pay reference from your employer for proof your income. Sometimes they will accept a copy of your Tax Return or a Declaration of Income from your Accountant or, if you are self employed, three years trading accounts.

Sometimes it is difficult to provide such evidence either because you have income from various sources or are newly self-employed. Either way, if you receive income, which is hard to prove, a Self Certified Mortgage may fit the bill.

A Self Certified Mortgage is where you personally certify what your annual income is and your lender does not require further evidence. As you might expect, a Self Certified Mortgage attracts a slightly higher rate of interest.

You should be aware that some lenders limit Self Certified Mortgages to a maximum of 75% of the value of the property you are buying.

If you are interested in a Self Certified Mortgage, you must talk to a professional mortgage broker. It will be his job to get you the best deal. Ask for a quote now and a Mortgage Adviser will phone you with the next 24 hours.
 
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