Quotesure - Self Certification Mortgages

As most self employed people know, it is not always easy to successfully apply for a mortgage. The need to predict your annual income and offer up at least 3 years of audited accounts can make it a difficult task.

There are, however, many variations on the Self Cert theme including true self cert products where you make a declaration as to what your income is or self employed mortgages where you are self employed or a company director owning over 25% and can provide up to 3 years accounts. You will generally need a deposit of 10% but there are a few lenders that only require 5%. Rates can be a little higher than for those employed but with many more lenders offering such products their rates reflect this competitive market.

Below you will find the latest best buys for Self Cert mortgages but for more detailed information complete our online enquiry form or call one of the mortgage advisors at Grovelawn on 0845 458 2633. They will source products from the Whole of the Market and they Do Not charge any Broker Fees.

LenderRateTerm & TypeFeeMaximum Loan to Value
Bank of Scotland6.69%2 year tracker£99960%

Early Redemption Penalty: 4% of loan amount for in year 1, 3% in year 2		Mortgage Quote
Bank of Scotland6.74%3 year tracker until 31-Aug-2011£99970%

Early Redemption Penalty: 4% of loan amount in year 1; 3%, year 2; 2% until 31-Aug-2011		Mortgage Quote
Bank of Scotland7.19%5 year fixed until 31-Aug-20131.5%75%

Early Redemption Penalty: 4% of loan amount in year 1; 3%, year 2; 2%, year 3; 1% until 31-Aug-2013		Mortgage Quote
Bank of Scotland7.29%3 year fixed until 31-Aug-20111.5%75%

Early Redemption Penalty: 4% of loan amount for in year 1; 3%, year 2; 2% until 31-Aug-2011		Mortgage Quote
Rates updated : Wednesday, 27th August 2008

Mortgage Quote

In fact up to 80% of people pay too much for their mortgage and it pays to look around for the best mortgage deal available for your circumstances.