Get a mortgage without supplying busloads of paperwork
Getting a mortgage usually means providing lots of paperwork to the lender such as payslips, P60s and bank statements. It's even worse if you're self employed or have an irregular income. With a self certification mortgage you can avoid most of the hassle and most of the paperwork.
If you think a self certification mortgage is only for self-employed types, you're mistaken: they're designed for anyone who might have problems proving their income. Instead of providing stacks of bank statements, payslips and other documents, a self certification mortgage asks you to tell the lender what your income is and the loan is based on that figure.
Don't expect to borrow 100% of the property value with a self certification mortgage; most lenders won't exceed 75% or 80%. Rates are usually higher than other products, too, because the lender is taking a bigger risk than with a normal mortgage.