Self certification mortgages, also known as self certified, self certificate and non status mortgages are for people whose income is difficult to assess using the standard methods adopted by most conventional mortgage lenders. 

Many people have problems proving their income. This is often because they are paid commissions, dividends, have more then one job or have investment income. 

If you are self employed you can have particular problems proving your income either because you do not have enough years accounts or maybe your accountant has used all the legal methods available to minimise your tax liability.

Self certificate mortgages, which account for about 5% of all mortgages in the UK, do not require borrowers to prove their income. Such loans were designed to allow the self employed, or those on short term contracts, to borrow more easily. 

Self certification is the process by which the amount that a customer borrows is based on what they claim is their income as stated in a signed declaration on the application form. The prospective borrower does not have to prove income on the basis of their accounts. There is no need to supply accounts, bank statements or any other proof of income. 

As an independent mortgage advisor, we have access to all the self cert schemes currently on offer in the UK, including a number of special deals which are only available through brokers.

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