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For more on marking an answer as the "Best Answer", please visit our FAQ.these type of mortgages are know as either self cert or non status depenfing on the lender itself. They are basically the same thing but the companies cant advertise that they dont ask for your income and/or accounts otherwise they encounter problems should they ever have to repossess as they courts basically say that they didnt know whether you could afford it or not. Bank of Scotland are great for these mortgages as long as you have more than 20% deposit and you are not penalised rate-wise for not being able to prove your income. And as the previous comment says, they are paid a fee from the lender so should cost you anything.
I understood that if you had 25% deposit you could obtain a non-status mortgage. Try an IFA but also place a call with Standard Life mortgages, they certainly do undertake non-status mortgages but you may well get hammered with a hefty indemnity insurance premium, this allows the lender to claim back 75% of the value of the property if you should default.
Also ask yourself the question, If you were a lender, would you lent YOU the money! If the answer is yes based on knowledge you have then present this to any potential lender.
Good Luck
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