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SELF CERTIFICATION MORTGAGES
If you are self-employed and you have more than two or three years worth of accounts you should be able to apply for a standard mortgage. However, if you don't and you want to buy a home you might find mortgage Lenders suspicious if you cannot prove your earnings via pay slips or accounts.

A self-certification mortgage is a mortgage offered on the basis of what your likely income will be, rather than providing documentary evidence. Whereas standard mortgages typically offer a 95% loan to value, self-certification mortgages almost always require a higher deposit, a loan-to value of up to 90% may be offered. Self certification mortgages may also be suitable for high commission earners, temporary workers and contract workers.

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