Frequently Asked Questions

I can not prove my income.
What are my options?

If you are having trouble finding a mortgage because you’re self-employed or have an irregular income, then a self-certification mortgage may be the mortgage option for you.

A self-certification mortgage, as its name implies, allows you the borrower to certify your own earnings without having to supply proof of income documentation, such as pay slips or fully audited accounts.

Self-certification mortgages are ideally suited to those who are self-employed, or employed but have an irregular income, due for example to bonuses and commission. They are also ideal for those who have several jobs, are seasonal wage earners or those who regularly undertake contract work.

If you want to know if you qualify for this type of mortgage please contact us and we will advise you on the self-certification mortgage process and if this is the option for you.

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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

We offer all our clients a free initial consultation after which a non refundable commitment fee of £95 will be charged with a further £250 payable on completion based on individual client circumstances. We also offer a fee only option whereby we charge a 2% broker fee on the amount borrowed and any commission derived from the lender is rebated back to the client.

The overall cost for comparison is 7.9% APR

Riverside Mortgages Ltd is registered in England and Wales. Registration Number: 5978086