We make it our business to help you get a mortgage if your business doesn't provide a regular income

Modern employment patterns are changing. More and more people are now choosing to work for themselves, or on a flexible contract basis to give themselves greater control over their lives and careers. Whilst this can be liberating for you personally, having an irregular income can cause problems when seeking a mortgage.

Luckily our Self Certification mortgage can help. If you're self employed or if most of your income comes from commission, investments or bonuses, Self Certification could be what you're looking for. This specialist mortgage allows you to certify your own income to us - we don't need it to be independently confirmed. And you can borrow up to 90% of the property value. The overall cost for comparison is 8.0% APR. The actual rate available will depend upon your personal circumstances. Ask for a personalised illustration.

Even better news. Our Self Certification mortgages are available in three helpful options.

  • Fixed Rate

    With a fixed rate mortgage, you will pay a fixed rate for an agreed time at the start of your new mortgage term. Ideal if you want guaranteed protection from possible interest rate rises for a set period.

  • Discount Rate

    Offers you a discounted rate off our Standard Variable Rate (SVR) for an agreed period at the start of your new mortgage term. This gives you lower monthly repayments in the first few years to help you settle in.

  • easyflex

    Our easyflex mortgage allows you to have more say over your mortgage payments. It gives you the flexibility to overpay, underpay your mortgage and take payment holidays, giving you greater control over your finances. These mortgages track the Bank Base Rate and can therefore go up or down in line with any changes that the Bank of England may make to interest rates.

Please note that any fixed or discount mortgage promotional rate we agree with you will revert to our Standard Variable Rate (SVR) after the agreed period. The SVR is our basic rate, and it can go up or down, usually following changes to the Bank of England's Base Rate.