Self Employed
(Self Certification)

If you are self employed you may consider self-certifying your income if you fall into one of the following categories

a) You have less than 3 years audited accounts

b) Your accounts have fluctuated over the last 3 years trading

c) Your latest accounts have not yet been audited

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.

 

 
 

 

 
Overall cost for comparison 7.6% APR. The actual rate available will depend upon your circumstances. Please ask for a personalised illustration. A fee may be charged on completion typically 1.25%. Paying off short term loans and credit cards with a mortgage could cost you more over the long term. Early repayment charges may apply.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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