Self-Certification

Self-Certification mortgages are available to both the employed and self-employed. The reasons why someone might need this type of loan could be: -

* Self employed without accounts or accounts not up to date.
* Recently self-employed.
* Income coming from several sources.
* Commission or bonus based income.
* Difficulty in proving income.

We offer INDEPENDENT mortgage advice using the whole of the market including exclusive schemes not available via High Street lenders. We would recommend the most suitable mortgage to match your individual needs.

Many lenders will not ask for proof of income, providing you have a reasonable deposit.

Over 50% of the enquiries we get from people who think they require a Self-Certification Mortgage are pleased to find that we manage to obtain them a mortgage with a High Street lender at High Street rates.

Self-Certification mortgages are also available for applicants with poor credit histories.


Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Berkley Vittoria Independent Financial Services Ltd is authorised and regulated by the Financial Services Authority.
We are entered on the FSA Register No 150186 at www.fsa.gov.uk/registeregistered in England No. 2667979. Registered Address: Warwick House,
18 Forge Lane, Minworth IndustrialPark, Minworth, Sutton Coldfield, West Midlands. B76 1AH.