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If income is not as predictable as it is for a salaried employee (such as for a company director, contract worker or part time worker), the borrower can take out a Self certified mortgage You will be required to make a statement of income but the lender will not require you to provide proof. If you arrange a self certified mortgage through a mortgage broker, the broker is required to satisfy themselves that the recommended mortgage is affordable. This is sometimes confused with a self employed mortgage.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.