Self-cert mortgages, or self certification mortgages, were a type of loan that did not require any proof of a borrower’s income.
Loans were capped at around 75% loan to value and were popular with self-employed borrowers and those with complicated income situations. Although you needed to declare your occupation and earnings no checks were made.
Are self cert mortgages still available? – We take a quick look at the rise and fall of self-cert mortgages.
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