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Self certificated mortgages can be useful for all types of borrowers. They were originally devised to help self employed borrowers who do not have three years of accounts to provide to a mortgage lender, perhaps because they are a start-up company. But over the years these products have adapted to suit a wide range of borrowers, including anyone who would find it difficult to prove their income.

Contract workers, people on commission-based salaries and those with more than one source of income could all benefit from self certificated mortgages. This feature looks at who they are most appropriate for and why.

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