Self-Certification Mortgages
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This means that it is not possible to arrange a self-cert mortgage in the UK, as lenders are required to conduct affordability assessments to ensure that borrowers can afford to repay their mortgages.
Instead, lenders will require borrowers to provide proof of income, such as payslips or HMRC tax calculations (SA302’s) and Tax Year Overviews, to assess their affordability. Self-employed borrowers may need to provide additional documentation, such as business accounts or self-assessment tax returns.
If you are self-employed or have irregular income and are concerned about qualifying for a mortgage, it’s best to speak with a mortgage broker or financial advisor who can help you to understand your options and find a mortgage that suits your needs.
Contact us today to speak to one of our advisers and take the first step towards finding the right mortgage for you.
