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Best Self Certification mortgage calculator

What is a self certification mortgage?

Put simply, self certification is a type of mortgage that does not require any proof on income. You, as the client certify what your income is and no further evidence is required.

Our experience in the mortgage field can be particularly useful in this area and products are available up to 90% loan to value ratio, the more normal limit being 85% loan to value. Because we are independent we are able to choose from all lenders offering such products in the country and ensuring you get the best rates available to you. Self certification mortgages are also available when adverse or impaired credit might be an issue to you.

Self certification type mortgages can be particularly useful for many and varied reasons, particularly so for people who fall into the following categorise:

• For self employed applications
• For applicants with duel or multiple income sources
• For applicants that receive some of their income on a commission basis
• For applicants that receive some of their income on bonuses basis

We have displayed for your information a sample of some of the best self certified mortgage products. With these rates you can use our easy mortgage calculator. Just enter your required borrowing amount, the number of years you wish to take the mortgage over and the rate. Your monthly mortgage payments will then be displayed by simply pressing the calculate button.

Or simply give us a call on 0845 3371707 and we will be happy to email to you any number of quotes or key feature illustrations showing every feature of the mortgage product. Until we have found the best deal for you nationally.

 “Please note that self certifying your income should take place where you cannot prove your income for a valid reason such as those mentioned above”

The overall cost for comparison is 5.9% APR. The actual rate will depend upon your circumstances. Ask for personalised illustrations

Mortgage fraud is a criminal offence. It is illegal to falsify your income in order to obtain a mortgage. Disclosure of your income must Be true and accurate.


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