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When you apply for a mortgage, the lender normally requires proof of your income. This means they will want to see pay slips or a reference from your company for proof of your income. Alternatively, they may accept a copy of a Tax Return or a Declaration of Income from your Accountant or, if you are self employed, three years trading accounts.
Sometimes it may be difficult to provide such evidence either because you are newly self-employed or have income from diverse sources. Either way, if you receive income which is hard to verify, a Self Certified Mortgage may fit the bill.
You should be aware that some lenders limit Self Certified Mortgages to a maximum of 75% of the property value.
If you are interested in a Self Certified Mortgage, you should most certainly talk to a professional mortgage broker. He’ll need to do a lot of shopping around in order to get you the best deal. Ask for a quote today and a Mortgage Adviser will call you with the next 24 hours.