Self Certified Mortgage

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What firms offer self certified mortgages?

Until recently, anyone who couldn't prove their income self-employed people, temp workers, people paid in cash and so on was treated like a leper by mortgage lenders. That's changed, and a growing number of firms will offer you a self certified mortgage including some big names.

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Until fairly recently there was no such thing as a self certified mortgage; if you could not prove your income, lenders wouldn't touch you. These days lenders have begun to realise that the world is changing, and more and more of us don't have traditional salaried jobs. Some of us are self-employed, others work on temp contracts, and still others deal largely in cash. Enter the self certified mortgage.

Although it's still rare for a high street lender to offer a self certified mortgage, some big names including Nationwide buck the trend.

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