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Self-certification Mortgages


What was a self-certification or self-cert mortgage?

Self-certification mortgages, also known as ‘self-cert’ mortgages enabled individuals to borrow without needing to prove their income. They were removed from the market by the Financial Conduct Authority back in 2014, because it was felt that they were not suitable for the general market and presented a risk for the consumer.

However just because self-certification mortgages are no longer available doesn’t necessarily mean it’s really difficult for self-employed people to get a mortgage. As long as you can prove your income as a self-employed person in theory you have access to exactly the same range of mortgage products as everyone else. Find out more about the paperwork you will typically need and the types of mortgages available in our self-employed mortgages page.


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