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

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Read On

What Is A Self-Certification Mortgage?

Aren't Self-Certified Mortgages Only For the Self-Employed?

What Type of Self-Certified Mortgages Are Available?

Aren't the Interest Rates Higher?

How How Much Can I Borrow with a Self Certifying Mortgage?

Where Can I Get A Self-Certifiying Mortgage?

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

Latest Best Buy Rates for Self Certification Mortgages

Read On

Other Types of Mortgages

Repayment mortgages

Interest only mortgages

Interest repayment arrangements

Complete A-Z of mortgage Types

Read On / Mortgage Guide

Choosing My Mortgage

Different Mortgage Types

ReMortgages

Finding My Mortgage

What are Mortgages in Principle

UK Mortgages Costs and Fees

Mortgages TOP TIPS

Mortgages UK Calculators

A to Z Mortgage Types

Read On

UK Home Buying Guide

UK Home and Mortgage Insurance Guide

Life Insurance UK Guide

UK Glossary of Mortgage Terms

Mortgage UK News