If you are employed you may be refused mortgage facilities by traditional lenders if you are a seasonal or contract worker. However, lenders are becoming more aware of these types of occupations, as they gradually become more accepted in today's workplace. If you work in one of these employment sectors you can become eligible for a mortgage through self-certifying your income.

You may also be in a full time job, however your salary may consist of irregular or erratic commission, overtime or bonus payments, which some lenders will refuse to accept. By self certifying your income these payments can be taken into consideration when applying for a mortgage.

You should always make sure that the mortgage is affordable to you, and at Mortgage Sense we will act responsibly in our advise to you, and strive to offer you the best mortgage deal available from our panel of lenders based on your own particular needs and requirements

A self certification mortgage is viewed as a greater risk by mortgage lenders and therefore the rate of interest charged is marginally greater than the one charged on a status mortgage.