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Finding the best self-cert mortgages will of course, first involve understanding what the term means. A self-cert mortgage is suitable for borrowers who cannot prove their earnings. For example, if you are self employed and don’t have a consistent salary or three years worth of certified accounts. This means that over 3 million people could be looking for the best self-cert mortgages as, according to the Office for National Statistics’ Labour Force Survey, there were 3,337,000 self-employed workers in the UK in 2007 – and numbers are steadily growing. Another borrowing group that would be looking at the best self-cert mortgages are those who earn extra income from second or even third jobs or receive a large chunk of their salary through bonuses or commission.

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