The answer from my advisors is; in most curcumstances no, more classed as a specialist mortgage. Prime lenders lend to self cert applicants.
Self certification mortgage
Self-certification (self cert) is a simple way of detailing your income without having to provide proof of income - you simply self declare what you earn.
Self Cert mortgages are designed for people whose income is difficult to assess or prove using the standard methods adopted by most conventional mortgage lenders. The specialist mortgage lender will be far more accommodating and they appreciate that different working patterns require a more flexible approach.
Self certification does have its limits though - most mortgage lenders will only allow you to prove your income in this way if you want to borrow less than 75% of the property's value, so you will need to put down a substantial deposit. However, some mortgage lenders may allow you to borrow up to 85% on a self-certification basis.
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