Am I eligible to apply?

All individuals who receive some form of income can apply for a self-certification mortgage. If you are an employee who receives a salary and can prove your earnings through payslips and tax records it may be more appropriate to apply for a full status mortgage. Although anyone can apply for a self-certification mortgage or remortgage it may be more appropriate for some individuals to apply for more traditional products.

Exactly which lenders will consider your case for a self-certification mortgage will depend on your credit score and the type of evidence you can provide to help prove your income. Different products and lenders have different rules so it is wise to seek professional advice to find out which products you are eligible to apply for. Although some products may not require any proof of income at all, others do. Also, your credit history may exclude you from certain products if it is impaired.

If you wish to apply for a self-cert mortgage Contact a Broker through our online form today for advice on which type of mortgage products are suitable for your situation.