Mortages / Self Certification

Normally when a borrower applies for a mortgage he or she will be asked to provide pay slips or company accounts to prove their income. If it is difficult or extremely inconvenient for you to provide this documentation, because you are self-employed or your income comes from a variety of sources, you can choose to self-certify your income. This involves signing a declaration which states the sources and amounts of your income. The lender does not require proof of this income and will not ask for any references. Some lenders even have mortgage products which do not require the disclosure of income at all. Lenders will charge you higher rates than average and offer you a more limited range of mortgages if you choose to self-certify your income, so it's not a good idea to self-certify just to avoid some paperwork.

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For further information on any of our mortgages call us on 0191 268 1049, or use our Call Back Form and we'll call you at your convenience.