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The guidance and/or advice contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK only.

Self Certification

With a self cert mortgage you declare what your income is but generally you do not need to provide any proof. Self cert mortgages are suitable for applicants whose income is not easily verifiable, like the self-employed or those that receive commissions etc

If you're self-employed, a contractor, have irregular income or multiple jobs, you're probably one of many who know you can afford a mortgage, but have difficulty proving your income. Fortunately there are a number of competitive self cert mortgage products available, depending on your circumstances and individual requirements.

As a specialist self cert mortgage provider we have access to a number of exclusive self cert mortgage deals from our specialist mortgage lenders. We can also arrange to have a virtual offer issued within hours of your accepted self cert mortgage. These plans are available only to specialist providers like us.

Self cert mortgages are ideal for the self-employed although they are not exclusive to them. We have plans suitable also for the employed. We specialise in providing self cert mortgages. So don’t delay pick up the phone or complete our online express application form now. Call us on 01625 503000, or apply here.

About Adverse Credit Mortgages About Remortgages About Right to Buy Mortgages

The overall cost for comparison is 6.1% APR. The actual rate available will depend on your circumstances. Ask for a personalised illustration. Adding existing debts to your mortgage will both extend the repayment term and increase the overall cost of the debt.

There will be a fee charged for mortgage advice. Our typical fee is £2500 for all types of mortgages except Lifetime Mortgages, which will be charged at £395 + 2% of the total loan amount. Example: a £50,000 lifetime mortgage loan, the fee payable would be £395 + 2% of £50,000 (£1,000) = £1,395. All advice fees are payable upon completion. Moneypoint Finance Limited is authorised and regulated by the Financial Services Authority, and is entered on the FSA register (www.fsa.gov.uk/register/home.do) under reference 303863.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Calls may be recorded for training and monitoring purposes.