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Can you self cert with HSBC?
Riverman68
Posts: 3 Newbie
Does anyone know whether you can self certify your income to apply for an HSBC mortgage? I would prefer answers to the question, rather than asking me why I need to self cert. I think we all know the answer to that one.
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No not at all.0
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Blimey, that was quick! I suspected that might be the case. Thanks.0
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Can you not ask them?Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
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That's a definate no. They might not ask for proof of income when you sumit an application but that is not a 'self-cert'. It depends on your credit status and the amount of dosh you are putting down as deposit. You could have a go but it would need to be a big deposit and squeaky clean.I am a Mortgage Adviser :jYou should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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Andy is correct, the rest wrong.
HSBC DO NOT DO SELF CERT. Closed.Motto: 'If you don't ask, you don't get!!'
Remember to say thank you to people who help you out!
Also, thank you to people who help me out.0 -
Think about it - if HSBC self-certed, do you think they'd have the money now, post-crunch, to offer the market's most competitive mortgages?
Er, no.
They're well capitalised because they didn't behave like reckless idiots during the so-called boom years.
They're also very conservative on valuations, too. So you might think you have a good LTV, but you could well be wrong.0 -
TEDDYRUKSPIN wrote: »Andy is correct, the rest wrong.
HSBC DO NOT DO SELF CERT. Closed.
That's what I said. Thank you for the input though.I am a Mortgage Adviser :jYou should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
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