Self certification mortgages were designed to cater for people who were self-employed, however, it has also been a popular choice for employed people with more than one source of income.

People with poor credit, income that varies from month to month can also be considered.

However, care must be taken to ensure that monthly mortgage payments can be met, and you should not overstate your income or you could end up with a mortgage that you cannot afford and risk losing your home.

It is very important to note that if you make false declarations and/or inflate your income on a mortgage application form you may not be able to afford your mortgage repayments. You may also face criminal prosecution for mortgage fraud. All applications will be subject to a feasibility assessment.

Self Employed / Self Certification - The overall cost for comparison is 7.9% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Adverse Credit / Poor Credit - The overall cost for comparison is 8.9% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.