Self Certification Mortgage

One of the options you have if you are self employed (or employed) and cannot provide three years accounts is to apply for a self cert mortgage or remortgage.

The range of deals available to self-certification borrowers has become much more competitive and our specialist mortgage broker can access all UK lenders to find the scheme to suit you.

Some self cert schemes are up to 90% LTV (loan to value) whilst other mainstream lenders go to 75 % or 85% LTV and each lender also sets the amount of loan they offer, try our mortgage calculator and affordabiity calculator.

There also is a difference between lenders criteria that offer self cert. Some lenders offer a fast track others offer self cert with accountants letter or certificate or a true self cert with no proof of income at all.

Credit History

If you have had trouble getting finance due to, credit problems, and require a self cert mortgage we can still help you. There are lenders that realise that through no fault of their own some client’s fall behind with payments.

We are here to assist you

As you can see from the above, the realm of self cert mortgages can be very confusing. Add to this the different types of mortgage products, and lending criteria on offer you can imagine how much time you would need to spend to find the scheme to suit you.

We have access to all UK lenders and can search to find the self cert mortgage you want. To get your own personal self cert quotation you just need to enter some basic Information into our online mortgage quote form, and remember there Is no obligation.