Definitions for "Self-Certification"
This means the applicant declares his or her salary on the application, but does not provide other documentation as proof. Suitable for people who are self-employed, but who can not produce audited reports for the last two years, or for employees where a large part of their income is not guaranteed (bonuses, commissions, etc.) or they do contract work. Self-certification mortgages are only available from some lenders and they carry an interest rate premium.
Several lenders will allow borrowers to self certify their income and no further checks on income are made. This type of scheme is useful to the self employed who may not have accounts available or any other person who has difficulty in proving their earned income. The lender will normally make checks on previous credit history and will require a clear credit search in addition to a good previous lenders reference.
where you state your level of income to the lender which it will generally accept with the minimum of checks.