True Self Certification Mortgages

With so many Self Certification Mortgage deals available, it can be very confusing and time consuming deciding which is the best product for you. There are so many things to be taken into consideration when searching for a suitable true self cert mortgage.

For instance, some products have "tie ins" or "overhangs", which may not make it cost effective, some have high arrangement fees, or high lending charges, etc. A full explanation of these terms are given in our printable version of a mortgage glossary.

We will talk you through fixed rates, discounted rates, flexible mortgages, standard variable rates and all other aspects, so that you are then in a position to make an informed decision about your new mortgage.

There are a very varied range of interest rates available from the lenders of Self Certification Mortgages depending on your circumstances. It is possible to secure the most competitive rates even for borrowers who have had no credit problems, have a large deposit, and income which fits the lender's income multiples.

Occasionally, for a number of reasons, a client may not be able to provide proof of their income. Some Self Certification Mortgage lenders provide a mortgage based on the applicant self certifying their own income. A bigger deposit will be required in these circumstances, usually around 10% of the value/purchase price, however some lenders will accept a 95% self cert mortgage.

We can help you find a true self cert mortgage that meets your particular requirements.