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.
Read
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