Self-Certify Mortgages UK

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Self-Certify Mortgages UK

Do I Need To Go Through A Mortgage Broker To Self-Certify?

While you don't strictly need to do this, using the services of a fee-free and independent broker specialising in the self certification market is a very good idea.

Not only will they be able to guide you through the paperwork, which can be a little more complex than for a regular mortgage, but they will have access to lenders and policies that are simply unavailable any other way:

Some specialist lenders will only deal with brokers, not direct with clients, and this is particularly common in the self-certification mortgage market place

A broker will also be able to explain the terms and conditions of your self-certified mortgage, and ensure you understand any restrictions in the policies you are being offered. These can include:

Compulsory (and expensive) insurance from the lender
Excessive application or redemption fees
Portability
What information is required to support your application

An independent adviser will also ensure that you have included all parts of your income on the mortgage application, giving you the best chance of a successful application.

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

First time buyer?		Yes No
Have you found property?		Yes No
Country
Bad Credit History?		Yes No

Sorry ! The amount you want to borrow is less than £25,000. This is the minimum allowed for a mortgage. But don't worry! You could get the money via a personal loan. I want a free no obligation loan quote Click OK No thanks. I will change my borrow amount to more than £25,000 Click Cancel