Also known as self cert, this is a great way of obtaining a mortgage even if following applies:

1. You cannot prove your income because it comes from a number of different sources. 2. You do not show enough of a net profit. 3. You do not have 3 years audited accounts

There was more evidence of a market-bucking trend for property owners in higher rate tax bracket* from latest Moneynet (http://www.moneynet.co.uk) house price data survey.

House prices showed a slight increase last month (April) for Moneynet-user homeowners. Values edged up from £205,518 in March to a healthy £208,854 in April, according to Moneynet (www.moneynet.co.uk) research.

The survey – which reflects values of property owners who enjoy salaries well above national average – points to a return to gentle house price inflation in month preceding General Election.

“April’s modest rise in values is more encouraging than most recent Halifax house price survey. Many of our users are in London and the South-east and other surveys also suggest that prices in capital are recovering after several months of barely any movement,” said Moneynet chief executive Richard Brown.

Average property values for visitors to Moneynet site – in common with many of those who regularly use internet for financial information and transactions – are higher than for those on national average wage.

But Richard Brown said that survey should be seen as a key tool for charting house price trends for UK’s higher earners.

“Moneynet can also provide a detailed breakdown of different categories of mortgage lending – whatever combinations – favoured by consumers on a month by month basis.”

See below for full figures:

Moneynet mortgage data for April 2005