Self certification mortgages

Sometimes it is difficult to prove income. Typical reasons may be such things as variable income throughout the year, Accounts not finalised, etc.

After reviewing personal and financial details it may prove convenient to self certify income.

This means declaring earned income but not having to provide proof. (It is not advisable to inflate your income to get a mortgage. You may be committing an act of fraud for which there can be severe consequences. Also gaining a mortgage with insufficient funds to keep up repayments may mean your home could be repossessed).

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