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Home » Mortgage FAQs » Is it possible to self-certify my income for a mortgage application?

In the past it was possible that if you were self-employed and  did not have accounts prepared, or you had income from self-employment and employed work, or you were employed with a low basic salary and high bonuses which you had not yet received at the mortgage application stage, you could apply for a mortgage on a self-certification basis.

However self-certification is no longer available since the recession of 2007. In the current mortgage market, lenders wish to see a copy of certified accounts or if an applicant files their own accounts, a copy of the applicant’s HMRC website Tax Year Overviews and the Tax Computation prepared by their accountant. Usually lenders wish to see the previous 3 years. The figure that lenders usually use the ‘net income’ figure which is clearly shown on the HMRC SA302 document.

You can request your SA302 from HMRC on 0300 200 3300 quoting your Full Name & National Insurance Number.

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