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Self certification mortgages
Click here for self certification mortgage best buy tables
Self certification mortgages form an ever-growing part of the UK mortgage market, with more and more lenders offering competitive self certification mortgage rates. Self certification allows those who have difficulty proving their income, but who have money to use as a deposit or sufficient equity in their homes, to obtain mortgages.
In recent years even high street banks and building societies have chosen to add self certification mortgages to their product ranges, in recognition of the increased demand that exists. This has forced even the specialist self certification mortgage lenders to reduce their rates in order to compete.
| Mortgages for the Self Employed | Self Certified remortgages |
| Dangers of Self cert mortgages | Self Cert buy to let |
Why self certify?
Not everyone needs to self certify, but there can be many reasons why some people in certain situations have no other option. By opting to self certify, self employed people, or those who earn income from several sources, allow themselves to borrow money based on their true income, even when proving it may be a struggle. There are even lenders that allow people with credit problems to self certify. Follow the link below for further information on self certifying for the self employed, or contact us for advice on why self certifying could be the best way forward for you.
Self certification mortgage illustrationsContact MIAS today for a self certification mortgage illustration: we have access to the full range of UK lenders and can provide comprehensive illustrations of their self certification mortgage products, as well as full advice on how self certification could help you.
As we review the market on a daily basis, we ensure that the mortgage advice we give is the most up to date and the illustrations we provide are as competitive as possible. Whatever your situation, you can be confident that you are in safe hands if you come to us.
| Please click here for a mortgage quote. All enquiries will be forwarded via Leadbay Residential Lending: |
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| Abbey | GMAC | Preferred |
| Accord | Halifax | Principality |
| Advantage | Infinity Mortgages | Progressive |
| Alliance & Leicester | Intelligent Finance | Royal Bank of Scotland |
| Bank of Scotland | Kensington | Scottish Widows |
| Bank of Ireland | Leeds | Skipton |
| Birmingham Midshires | Lloyds TSB | SPML |
| Bristol & West | Mortgage Express | Standard Life Bank |
| Buildloan | Mortgages Plc | The Mortgage Works |
| Capital Home Loans | Mortgage Trust | TMB |
| Chelsea | Nationwide | The Mortgage Business |
| Cheltenham & Gloucester | Natwest | The One Account |
| Coventry | Northern Rock | UCB Homeloans |
| Dunfermline | Norwich & Peterborough | Ulster Bank |
| Edeus | Paragon | West Bromwich |
| First Active | Platform | Woolwich |
| First Trust | Portman | |
Lenders accessible through The Packagers: |
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| Amber | Future | Money Partners |
| Beacon | High Street Homeloans | Rooftop |
| DB Mortgages | I Group | Scarborough |
| First National | London & Scottish | Swift |
| Freedom Lending | London Mortgage Co | Unity and Victoria Mortgages |
Commercial Lenders: |
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| BOI | Heritable | Northern Rock |
| BOS | Interbay | RBS |
| Chase UK | Natwest | TBMC |
| Fiducia | ||
Overseas Property: |
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| Blevins Franks | Conti Financial Services | Fidentia Group |
Life Insurance Providers: |
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| Axa | Friends Provident | |
| Bupa | Health-on-line and Standard Life | |
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
