Self Cert Mortgages - What you need for a self cert mortgage application

What information do I need to supply when applying for a self certification mortgage?

Below is a list of information that you will need to supply to your mortgage lender on applying for a mortgage.

When applying for a self cert mortgage, you need to have as much financial information available to your lender in order to get you the best possible deal. This is mainly because a self cert mortgage requires you to self certify that you can afford to make the payments on to your mortgage.

• Bank statements (6 mths)
• Proof of any additional income (Invoices / Benefits / Pension / overseas rental income / sub contract vouchers / tips & gratuities)
• Tax returns two years - can be used to evidence a percentage of your income
• Statements of assets ( savings account balances / second properties / stocks & shares assets)
• Proof of maintained rental commitments ( Landlords reference)
• Companies house statement / SA302 self assessment tax return
• Your business licence
• Evidence of future lump sum payments i.e.: inheritance / bonus etc
• Income & allowances paid in not sterling currency ( Travel industry / Armed forces )
• Income gained from outsourcing and contract working in both the private and public sector. (IT contractors)

If you need any further help on what you need to qualify for a self cert mortgage then contact Click n Go Mortgages, and we will advise you on the right mortgage for you.