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The self certification adverse mortgage is an important product, with an estimated 14 per cent of Brits being self employed. Of course, a self certification adverse mortgage is not only for the self employed, but for anyone with variable income. If you earn from commission or are on seasonal contracts, then this type of mortgage may suit you. Chances are that you will have to pay a slightly higher rate, as there's some risk for the lenders, but you can move to a better product after paying properly for three years. With many products to choose from, it could be worth taking specialist advice.

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