How it works
Manage your mortgage to match your income
If you have the confidence to run your own business and be your own boss then we feel confident that you will be responsible with your finances too. But Self Certification is not just for the self employed, we feel the same way if the majority of your income is made up of bonuses, commission or investments. As long as you've been employed for 6 months or self employed for 12 months, no proof is required.
We understand that there may be many reasons why your true financial situation may not be reflected in your accounts or on a pay slip. Your circumstances may have changed; you may have more than one job, receive bonuses or even work seasonally. Because we understand that life and income changes, all we need from you is your name and your total personal income. You certify what you believe your true income to be - that gives us all we need to get started!
Our Self Certification mortgages combine choice with flexibility and we have a number of different options for you to consider. Choose the option that best suits your circumstances - you really are the boss!