Some people have problems in verifying income as they are self employed, contract workers or rely on commission payments that are irregular in nature.

Self certification mortgages do not require borrowers to prove their income. These schemes are designed to allow the self employed, or those on short term contracts, to borrow more easily. 

The borrower simply declares what their income is on the mortgage application form. There is no need to supply accounts, bank statements or any other proof of income. 

As independent mortgage advisor has access to all the self cert mortgage schemes currently on offer in the UK, including a number of special deals which are only available through brokers.

There is a range of fixed rates, discounts, tracker mortgages and even flexible deals available on a self-cert basis.