Self certification could be the answer. Also known as self cert, this is a great way of obtaining a mortgage even if the 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 Even if you are employed you can self certify your income as you may have a set basic salary but earn a huge (but inconsistent) amount on top. In most cases a lender will take a view .