If you are self employed and looking to buy your first home or move to your next property, a self cert mortgage could be your answer.

Self certification mortgages were first introduced in the UK a few years ago. Also known as non status mortgages, they were originally designed for self-employed people, but in certain circumstances can also be a choice for employed people who cannot prove their income.

Self certification allows you to self declare your income if it is difficult for you to prove. With a true non status mortgage, you won't have to provide company accounts, payslips, P60s or any other documentation to prove you annual income. 

If you are one of 3.3 million self employed people in Britain, you may have a problem getting a mortgage from a regular high street lender. Furthermore, mainstream lenders do not necessarily provide the best solution for your needs. 

The best approach it to seek advice from a professional mortgage advisor who has experience in assisting the self employed. They will understand that many self-employed people cannot easily prove their full income. Even 3 years accounts may not accurately reflect your current income. There are specialist lenders who take a more flexible approach to income verification and provide innovative solutions for your circumstances.

Non status mortgages are not exclusively for the self-employed and may be the right choice for you if you fall into one of the following categories:-

Commission based workers e.g. recruitment or sales 
Multiple incomes e.g. rental income
Contract workers
Company directors 
No payslips or accounts 
Seasonal workers

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