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Self-Certified Mortgages UK

What Type of Self-Certified Mortgages Are Available?

The choice of self-certified mortgages is getting wider all the time, and self-certifiers now have almost the same range of choices as full status mortgage holders (those who provide complete proof of income).

Examples of types of self-certified mortgages include:

Another advantage of self-certified mortgages is that it is sometimes easier than usual to get a portable mortgage – one that can be moved from one property to another.

This is very useful if you are thinking of buying a house to do up, before selling it on and buying another.

Just as with all mortgages, there are a number of areas to check before you sign:

A good independent broker can advise you on these areas, and make sure you understand the details of each policy.

Aren't Self-Certified Mortgage Interest Rates Higher?

Some lenders consider self-certification mortgages to be a slightly higher risk than full status mortgages, although there is precious little reason for this: Recent statistics showed that the number of repossessions on self-certified mortgages is no higher than for other types of mortgage.

There are a few differences, however:



To read more on this subject please see the list below or your mortgage guide or your home buying guide

Read enough? Just want a quote? To get your best mortgage quote quickly and easily we can put you in contact with a recommended mortgage adviser. It's free, completely confidential and there's no obligation at all. Simply fill out the form below

Value of Property £  
(eg 125000)
Borrow How Much? £
(eg 92500)
Your Mortgage Type
 

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