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Process of Self-Cert Mortgage

If someone falls in category of business on contract, earning through commission, income on part – time or irregular working hours, reliance on bonuses, income through overtime, money through various strands, jobs on short term basis, self employed and fluctuating degree of income, he is then entitled to self cert mortgages. Signed declaration for income will be made and amount will be based on that declaration. Lender will then carry out extensive credit checks, detail of one’s accounts, assets, credits, bank references and confirmation from previous solicitors and land lords. Mortgage application is also considered on long term business and income also. After being satisfied in all respects that individual will be able to pay his loan back, he will be awarded loan.

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