Self Certification Mortgages
We recommend that you compare at least three different self certification mortgage offers
Self-certification Mortgage
- designed for individuals whose income varies considerably from year to year, and are not in full-time permanent employment, e.g. self-employed or contract workers.
- the lender decides upon the amount they are willing to lend, the interest rates that they will apply, based upon the information provided about your income - will not normally require formal proof.
- considered by the lender to be more risky than a typical mortgage, and therefore may pay higher interest rates than the market average, and/or need to provide a deposit (possibly10-20% of property purchase price).
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