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A Self-Certification
mortgage allows you to state your income without providing
the usual documentary evidence providing that your mortgage
falls within certain stated criteria.
It is important
to bear in mind that many lenders charge a small premium on
self-certificated business to reflect the extra risk involved.
This type
of mortgage may be suitable for you if the nature of your
income is such that satisfying a lenders requirements may
prove difficult, such as self-employed status.
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The area
of self-certification mortgages is a relatively new one which
is proving popular due to the changing working environment.
It is vital therefore that you discuss this complex area with
an adviser as in many circumstances a more competitive rate
may be available form a lender who will be more sympathetic
to your particular circumstances.
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