Self Certification Mortgages (non status)
Unlike some other lenders Ubiquitous Mortgages does not think that being self employed or unable to prove employed status with payslips, p60's, p45's or a set of accounts with employer references should prevent you from getting the mortgage you need.
Self-certification mortgages (non status), sometimes – dubbed "liar loans" – because they allow you to verify your own salary without proof of income are generally aimed at the self-employed and freelancers, whose incomes are irregular.
Sometimes borrowers will inflate their salaries to obtain bigger home loans. While this, in it'self is not an issue, our advice is be realistic and sensible. If you cannot keep up the repayments we all know the consequences, repossession!
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