Self employed borrowers will normally be required to provide 3 years accounts to prove income. often self employed firms have difficulty proving income. It may be appropriate after reviewing an initial enquiry 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).

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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.

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