Mortgage Finder ~ SELF EMPLOYED MORTGAGES Self-employed Mortgages options explained Self-certification is a simple way of detailing your income especially if you are self-employed as you simply self declare what you earn and the lender in most cases will not insist on seeing audited accounts. This is how a self-certification loan should work, but there are still some lenders who will need you to prove your income in other ways, such as an accountant's certificate. This is a document signed