If you are self employed, have a large part of your earning made up by commission or draw income from a variety of sources, 1stHome advisors are the UK’s leading source of self certification mortgage advice.

Self Certified Mortgages (also known as non-status mortgage) were created for people who need to self certify their own financial assessment to a lender to get a mortgage. You may seem financially sound and able to afford payments your self, but you are unable to get a mortgage certificate.

This could be because you are:-

• self-employed.
• On a short term contracts.
• On part-time contracts.
• Commission based income, your earnings may be assessed frequently by your employer.
• Receiving seasonal wages or earnings.
• Receiving more than one source of income (maybe from a partner).

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Our network of mortgage advisors are specialists in arranging mortgages for clients who cannot meet the usual range of income checks. Instead, our advisors can base applications on a simple declaration of income, saving both time and complication when putting new mortgage arrangements in place.