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Mortgage products provided by Standard Life Bank plc

Income self-verification




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If your loan (including any additional borrowing) is less than 75% of the value of your property (loan to value), then you may not need to verify your income.

Run your own business?

If you are self-employed, you may not need to verify your income for mortgages up to 75% loan to value. If you do wish to borrow more than 75% LTV then we will give you an income verification certificate for your accountant to complete. This is instead of them sending in 2 years worth of certified accounts.

Investing in property?

If you are a Buy to Let customer you may not need to verify your income for mortgages up to 75% loan to value.
Read more about our Freestyle Buy to Let Mortgage

The facts:

  • If we do not ask for income verification, your application will still be subject to a credit check.

For more information on how our income self-verification service could help you, give us a call on 0845 845 8450.


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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE