Self Certification - eMortgage Solutions

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Self-Certification

Self-Certification (self cert) is a simple way of detailing your income without having to provide proof of income - you simply self declare what you earn.

Self Cert mortgages are designed for people whose income is difficult to assess using the standard methods adopted by most conventional mortgage lenders for instance

The self employed
New or recent start up businesses
Contractors
Commission based sales people
People with second jobs
People with irregular earnings,
People with general difficulty in being able to prove what they earn.

The specialist mortgage lender may be more accommodating and they appreciate that different working patterns require a more flexible approach.

With a self cert mortgage you don’t have to provide pay slips or accounts to prove your income.

Self Cert mortgages have become extremely popular with the changes in work practices in the last few decades; especially for those dependent on bonuses for a sizeable portion of their income or workers on short-term or part-time contracts.

We have access to lenders who specialise in this field and we can provide expert advice in this area.

Please use the mortgage wizard to see the latest deals available.

It is very important to note that false declarations and/or inflating your income on an application form is fraudulent and may lead to a criminal prosecution. All applications will be subject to a feasibility assessment.

Contact us now on 0800 10 77 889 or fill out our online enquiry form

Self Employed / Self Certification / No Proof of Income - The overall cost for comparison is 7.9% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

IMPORTANT - Please Download & Print Out Our Initial Disclosure Document(IDD)

Registered Address: First Floor, 52 Vyse Street, Jewellery Quarter, Birmingham B18 6HR

Tel: 0800 10 77 889 Email: email@emortgagesolutions.co.uk

E Mortgage Solutions UK Limited is an Appointed Representative of Network Data Limited which is authorised and regulated by the Financial Services Authority for regulated mortgage and insurance business only. Network Data Limited is entered on the FSA register under reference 300391

E Mortgage Solutions is a trading name of E Mortgage Solutions UK Limited. Registered in England, No. 05081755

The guidance and/or advice contained within this web site is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.