Particularly useful for self employed applicants as it can save time if up to date accounts are not readily available. In today's climate self cert mortgages are less readily available and generally not available at all for employed applicants. Not all lenders advertise they self certify, and many will fast-track an application if the loan to value is below 75%, which can be just as useful in many cases! In either situation, applicants must be able to verify their income if requested to do so by the lender. Contact us now for up to date information on current underwriting criteria and which lenders to approach.