Self-Certification Mortgage

Self-Certification Mortgage

• With a self certification mortgage the mortgage applicant must sign a declaration of their income. The lenders will allow a mortgage to be granted with little or no request for a reference to an accountant.
• With little or no adverse credit, the interest rate can bear a small premium above normal rates. All mortgage types (Variable Rates, Fixed Rates, Capped, Discount Mortgages etc.) are available.
• Better rates are available to the self-employed if documentation can be provided to support past and expected income levels.
• For more information on self certification mortgages or to apply for a self certification mortgage please follow the link - Self-Certification Mortgage

These mortgages are for self employed clients who cannot provide full proof of their income. The lender will accept certain other proofs of self employment. It should be noted that clients requesting a self certified mortgage should state their true income only as affordability of the loan is calculated on this which may cause future problems should the stated amount of income be exaggerated.

One of the key issues with being self employed is getting the clearance for mortgages and loans. Those with self certification mortgages from UK Bridging Loans Limited can apply for bridging finance with us. We provide effective and affordable bridging mortgage finance to a range of self employed property owners with self certification mortgages, offering reasonable and tailored repayment structures.