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Self cert uk mortgages are designed to help all sorts of mortgage borrowers who might find it difficult or would prefer not to prove their income. They work like normal mainstream mortgages except that the borrower declares their earnings and the lender does not seek to verify them. Self cert products are available from a wide variety of lenders, most of which do not operate direct to consumer but offer their products via mortgage intermediaries. These brokers are fully authorised by the Financial Services Authority and qualified to give advice, and can search the whole market for you and find you the most appropriate self cert deal for your needs.

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