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Steve Roberts

What Proof of Income is needed for a mortgage?

What Proof of Income is needed for a mortgage?

Before 2011, self-certification mortgages were available so mortgage applicants could ‘self-certify’ their own earnings without providing any proof of income. As you can imagine, this scheme was open to abuse and many home buyers landed themselves with mortgages they couldn’t afford. After the credit crunch in 2011, self-certification mortgages were banned in the UK. So …

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