- Mortgages

  - Remortgages

  - Buy to Let Mortgages

Self certification mortgages, also known as non status mortgages are for people whose income is difficult to assess using the standard methods adopted by most conventional mortgage lenders.

Bonuses, commission and seasonal work can cause income to vary over time or be difficult to guarantee and this may not be considered acceptable in order to get a mainstream mortgage.

Many borrowers who go on to be excellent mortgage customers with specialist lenders routinely fail credit-scoring processes with mainstream lenders.

The Financial Services Authority does not regulate some forms of buy to lets, commercial loans, overseas mortgages, tax advice and offshore arrangements.