Self certification mortgages
A Self Certification mortgage is a 'non-standard' mortgage which allows you to declare how much money you earn from employment without having to give proof of your earnings. So if you're self-employed, on a commission based on income, undertake seasonal work or your income is irregular, we'll still find a mortgage suitable for you.
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More about Self Certification mortgages
Self certification mortgages are designed for self employed people or those on commission based incomes who may struggle to provide the standard proof of income most mortgage lenders require when assessing a mortgage application. This type of mortgage allows applicants to declare how much money they earn from employment without having to provide proof of earnings.
At this moment in time the Cheshire is not offering any self certification products but when we do this page will be updated to reflect this change in policy.
Where else can I find a Self Cert mortgage?
While the Cheshire cannot presently offer any self certification mortgages, there are other lenders who still do. For more information we would recommend you contact Cheshire Mortgage Brokers (link opens in new window) who offer impartial and independent mortgage advice. Cheshire Mortgage Brokers employ expert mortgage advisors who can objectively compare the market to find you the best deal. For more information you can simply:
- Visit the Cheshire Mortgage Brokers website (link opens in new window).
- Call Cheshire Mortgage Brokers directly on 0800 030 4167.
What if I don't need a Self Certification mortgage?
If you have a regular proof of income and the pay-slips and documentation that go with this, it is possible that you may be able to get a standard mortgage rather than a self-cert. The Cheshire offers a variety of mortgages to suit many different needs covering different types of mortgage products including:
Some extra help
- Understand which mortgage will suit your lifestyle using our perfect mortgage guide
- Or use our Mortgage finder
- The Cheshire’s Estate Agency can help you with selling or buying in or around Cheshire.
- Considering a home move? Check out our low cost conveyancing service.
- Moving house? Here's a few other things you might want to consider...
Your home may be repossessed if you do not keep up repayments on your mortgage.
