The Rate Tart

Use TheRateTart comparison tables to find the right Self Certification mortgage for you. We've got all the information you need to compare and apply online. Tell me more about self certification mortgages.

Self-Certification Mortgages do not require income verification so are suitable for those who have difficulty producing traditional proof of income. For example, the self employed, or those with several sources of income. Historically lenders have viewed self-certification as high risk and been reluctant to lend under these circumstances.

As the size of this segment has increased and the main-stream mortgage market has become more competitive, some lenders view self certification as a profitable source of growth. Whilst interest rates remain higher than for other types of mortgage, increased competition in this area should start to drive prices down in coming years.

If you need more information to decide which mortgage is the best for you, then check out TheRateTart Guide to Mortgages.

Please note that the information on this web-site is intended to provide an overview of the different types of mortgage available. Nothing on this website should be construed as advice and you should not make your mortgage decision based solely on this information. TheRateTart recommends you consult an independent mortgage advisor to help identify the most suitable mortgage for your needs.

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