What you can afford is calculated on you and your partner's annual income, but lenders will also take into account second income, pension, bonuses, and commission i.e. any legitimate extra ongoing income.The lender will normally require self certified applicants to have a minimum deposit of 10-30%. Only a small number of lenders will lend up to 90% LTV (loan to value) on a self-certified mortgage UK. The fatter the deposit you are able to put down, the better terms you will get. The lender will carry out a credit check and credit score, instead of using your bank statements, accounts or other record of income. They may request a banker or landlord’s reference. A self certified mortgage UK is available in all rate options: capped rates, variable rates, fixed rates, discount rates, tracker rates etc. All different types of mortgage are available too, from first time buyer, to buy to let etc. Because of a bad credit situation, individuals frequently require a sub prime self-certified mortgage UK in order to qualify. There are many sub prime lenders catering to this need. However, simply because individuals have adverse credit history does not guarantee those individuals will get an adverse credit self-certified mortgage in the UK. Also, while the instinct to stretch your income to receive a larger loan may be tempting it is certainly not advisable.  Ask about self certified mortgage UK today!
Look out for the Annualised Percentage Rate (APR), which lenders are obliged to give, which indicates the interest rate plus any other charges.
Many lending companies will offer or include buildings and contents insurance and Mortgage Payment Protection Insurance (MPPI). You may be able to get a better deal on insurance from someone, such as an independent broker, so don't be complacent; shop around for a bit. Don't take on a self-certified mortgage in the UK thinking "Well, I can always go bankrupt if I get into trouble with the payments". This is a very bad strategy. If you go bankrupt, it will be entered in the records of the County Court, and you will find it very difficult to get any kind of credit in the future, except at extortionate rates. The company you defaulted on will make an entry into your credit record. Credit referencing agencies riffle through County Court records, to keep their databases up to date. You will have shown you can't be relied on to repay back a loan, therefore why should any lending company, credit card or hire purchase company take a chance on you in the future? | 
