Self Cert Mortgages are suitable for self employed people or where income is not regular. They are competitively priced and can be arranged with a deposit or equity of 10%. Interest rates for self cert mortgages may be higher, but are useful if standard mortgages are unavailable to you as a result of your circumstances.

3 Steps to a Self Cert Mortgage

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Step 1 of 3	About your mortgage
Are you looking to: How much would you like to borrow? Buy a property Remortgage a property Buy a property to let     How long do you need the mortgage for? 1 year2 years3 years4 years5 years6 years7 years8 years9 years10 years11 years12 years13 years14 years15 years16 years17 years18 years19 years20 years21 years22 years23 years24 years25 years30 years40 years50 years   Proceed to step 2.

Step 2 of 3	About your mortgage
Estimated property value?   Are you a first-time buyer? YesNo   Do you need to self-certify your income? YesNo   Have you: Had a CCJ or Default registered against you? Missed one or more secured loan or mortgage payments in the last 12 months? Been declared bankrupt or had an IVA? Proceed to step 3.

Step 2 of 3	About your mortgage
Estimated property value?   How much would you like to borrow?       Proceed to step 3.

Step 3 of 3

Your details

First name: Last name:     Phone number: Alternate phone number:     E-mail address: Date of birth:   --12345678910111213141516171819202122232425262728293031--JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember----1941194219431944194519461947194819491950195119521953195419551956195719581959196019611962196319641965196619671968196919701971197219731974197519761977197819791980198119821983198419851986198719881989   First line of current address: Current postcode:     Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry. Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail.

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Self-cert mortgages can be a huge help to self-employed borrowers or anyone who needs to stretch their finances so they can afford the home of their dreams. The range of UK mortgages has increased dramatically over the past decade. Most banks and building societies have a specialist arm dedicated to providing mortgages for the self employed (among others). And an increasing number of specialists exist, so it is worth shopping around. Bear in mind that the size of mortgages and the interest rates offered to you may be influenced by the type of work you do.

Self Cert mortgages represents a higher risk for lenders so interest rates will tend to be higher than conventional mortgages. 100% mortgages are still available, but the market is extremly limited. However, self-certification mortgages tend to be expensive, you'll typically need to use a broker to find a suitable lender (which usually involves a fee) and you'll need a minimum deposit of around 15% of the valuation of the property. It's true that self cert mortgages are not ideal for everyone.

To find out more about self cert mortgages then complete our mortgage enquiry form above for a fast callback from an FSA approved self cert mortgage advisor.