Self Cert mortgage Self Certification mortgage No proof of income mortgage

Self certification mortgages are available for:

Self Cert mortgage
  • The self employed
  • Contractors
  • Freelancers
  • Company directors
  • Commission based workers
  • Employed workers with more than one source of income
Self Cert mortgage

As mortgage brokers we have access to specialist self cert mortgage lenders, Some self cert mortgages are not available on the high street and are only available through mortgage brokers. Here at J P Financial we can source the best self certification mortgage (also known as self certified or self certificate) for you. With a self cert mortgage you don’t have to provide payslips or accountants’ statements to prove your income.

Self employed customers have traditionally been hard done by when applying for a mortgage – they’re considered a higher risk and as such are charged more in both upfront costs and higher rates. But this unfair treatment has been removed thanks to the specialist self certification lenders who we work closely with. While the rules are different to conventional mortgages, the restrictions have been markedly reduced.

Rates are now comparable to,and in some cases better than those, you’d find on the high street. You can get a fixed rate mortgage, a discount rate mortgage, a tracker rate mortgage and so on, just as with a conventional mortgage.

You can even take out a flexible loan, a godsend for many self-employed borrowers, who are more likely to have a variable income. So, when business is good, you can channel any spare cash into overpaying on your loan, while if it’s a quiet period you can reduce your payments. You can even plan such variations if, for example, your income is seasonal.

Self-certification mortgages are not just for the self-employed nowadays. If you have more than one income as many people now do, then proving it is not necessarily easy.

So, if you have a second job, or revenue from investments and you need that income to count when applying for a mortgage, we'll find a lender to meet your needs.

For more information, quotes and advice on our self cert mortgage or remortgage range or for any mortgage or remortgage advice, mortgage or remortgage help, mortgage or remortgage quote please complete the contact us form.