At the height of the property market boom, some lenders offered self-certification mortgages. These allowed you to certify your own income without the need for actual proof. In recent years such deals have been withdrawn, however.
Self certification
Fast-track mortgages
Some people get confused about the differences between self-cert mortgages and �fast track� facilities that some lenders offer. The latter allows customers requiring mortgages below 75% loan to value (the percentage of the property�s value you have borrowed) to avoid all of the verification and paperwork involved in processing mainstream mortgages and is nothing to do with self-cert mortgages or products for the self-employed.
