No proof of income

If you are self employed you may consider self-certifying your income. Self certification is designed for the increasing number of self employed in the UK and also for those who are primarily employed bit have income form other sources that they can not prove.

• You have less than 2 years audited accounts
• Your income is derived from various sources
• Your latest accounts have not yet been audited

Lenders are now more realistic when looking as affordability and will take a balanced view of both your income and expenditure. Some mortgage lenders view this as a greater risk and therefore the rate of interest charge is marginally greater than one charged on a status mortgage.

If you have a good track record with audited accounts then you should consider a status mortgage. If one of the following applies to you then self certification of your income may be better suited:

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