london mortgage advice

London Mortgage Advice
...creating a home for your capital

Authorised and Regulated by the
Financial Services Authority

0207 607 3012

07985 901 459   

8am - 8pm
7 days a week




Self cert mortgages


Self- certification (self cert) is an easy way of detailing your income without having to provide proof of income – you simply self declare what you earn.

Self-cert is designed for those people whose income is difficult to assess by the standard methods traditionally used by lenders. It is especially relevant for those who are employed and are dependant on bonuses or commission payments or who may be paid in cash.

It is also ideal for self-employed people or those running their own limited companies whose profits cannot be proved by accounts.

To get a self-cert mortgage the minimum deposit that you must put down will be 10%.


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London Mortgage Advice Ltd is authorized and regulated by the Financial Services Authority for residential mortgages and non investment insurance business. As we give independent advice we can offer you either a 'no fee' option where we are paid by the lender or you can pay our total fees. Typically this will be anywhere between 0.3% and 1% of the mortgage amount (based on a loan of £100,000 this would result in a fee of between £300 and £1000). In this instance we will rebate to you any commission we receive from the lender. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.