Self-Certification Mortgage

Self certification mortgages are aimed at the increasing number of people who are either self–employed, rely on bonuses and commission or people with more than one source of income.

It is now possible for people who find it difficult to prove their income to purchase a property or re–finance their existing home.

What is a self certification mortgage?

In a nutshell a self-certification mortgage allows the borrower to declare their 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.

A self certification mortgage is a legitimate option for those who qualify for this type of product. Please note that it is an offence to overstate your income in order to obtain a higher loan amount. Therefore care should be taken when considering this type of arrangement.

What can we offer you?

Our advisers are experienced in this type of mortgage and understand the needs of people who may have multiple income streams or unusual financial circumstances. Because we have access to thousands of mortgages and a huge range of lenders, we can offer a wide range of self-certification mortgages with the following features:

• True Self Certification up to 90% loan to value.

• Available for the employed and self employed.

• Purchases or Remortgages.

• Available to people who have only recently become self employed.

• All income streams considered.

Whatever your employment situation, we're certain we can find the mortgage for you.

So if you're having trouble finding a mortgage because you're self-employed or have an irregular income, then talk to us today!

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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