Solution Mortgages
19 January 2018
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no proof mortgage

A no proof mortgage is sometimes known as a self cert mortgage or self certified mortgage.

A no proof mortgage will suit you if you are self employed or employed with an unpredictable income i.e. you may work on seasonal jobs or successive short-term contracts. If you work in sales and earn a high proportion of your income through commission, we will also consider you for self certification.

When looking at a no proof mortgage we may ask you to substantiate your bonus or provide us with proof of self employment in the form of Inland Revenue or trade invoices. Similarly we may ask you for an accountant’s reference if you are declaring a large income.

We use a range of specialist lenders that will consider applications from potential borrowers looking for a no proof mortgage. They will also consider applicants who have a less than perfect credit history.

Please note that there is usually an interest rate loading for a no proof mortgage (usually called a self cert loading). This is usually 0.25% but can be as high as 0.75% if you are borrowing a large amount against your property.

We will provide you with the information you need to help you to make the right choice of no proof mortgage and process your application as soon as possible to ensure your funds are available on time.

Speak to Solution Mortgages about a no proof mortgage on 0845 123 1260 or click on the Apply Now button and fill out the online form.

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Think carefully before securing other debts against your home.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.