Self cert mortgage - best buys
This page provides information only, taken from over 2,900 self cert mortgage deals.. It does not constitute mortgage advice or recommendation. Please contact our mortgage advisors to discuss your self cert mortgage enquiry in more detail or return to our self cert. web page.
Use the "Get Quote" links to have an adviser contact you and provide a personalised mortgage quote. Your details will not be passed to any 3rd parties. You will be contacted by one of our own mortgage advisors - only use this form if you are serious about receiving self cert mortgage quotes & advice..
 Compare
self cert mortgages |
| Lender | Initial rate | Period | Max LTV | Type | Fee | Redemption | APR | |
| T M W |
5.39% | 28/02/2010 | 85% | tracker | £2500 | 28/02/2010 | 7.4% | Quote |
| Scarborough |
6.09% | 3 years | 80% | fixed | nil | years | 7.2% | Quote |
| Saffron |
5.65% | 3 years | 80% | tracker | £599 | £280 | 7.2% | Quote |
| Chelsea |
5.66% | 01/02/2010 | 85% | fixed | £2000 | 285 | 6.6% | Quote |
| Manchester |
6.44% | 36 months | 80% | fixed | nil | 36 months | 6.7% | Quote |
| S & Swindon |
6.04% | 2 years | 85% | tracker | £695 | none | 7.3% | Quote |
| B O S |
5.79% | 30/04/2010 | 85% | fixed | £1500 | 30/04/2010 | 7.8% | Quote |
| Over 2,900 more Self cert mortgages available - we can arrange up to 90% | ||||||||
Date compiled 19/02/2008 - rates and details correct at time of going to press & subject to change without notification. Availability is subject to status & depends on your individual circumstances. Taken from the whole market.
No proof of income
Self cert mortgages are designed for those applicants who cannot easily prove their income. It may be your latest accounts are not ready, you have not been trading for more than 3 years or you have income from multiple sources or varying income. Self cert allows you to declare your allowable income and to simply prove to the lender you are working or trading . This is often as simple as a call to your employer, accountant or somehting in writing from the Inland Revenue.
Lifetime trackers and fee free deals
Most lenders seem pre occupied ensuring they get the "top spot" on comparison websites, the down side to these cheap rates is the excessive fees they want to charge you. Our brokers will look beyond headline rates and prepare an analysis based on true cost to see who really offers the best deal. For example 2.50% arrangement fee is not uncommon now, yet this equates to a massive 1.25% cost per year on a 2 year deal. Unless the initial rate is likely to be 1% or so cheaper than the competition why would you buy it ? Let our advisors review your needs and see who has the cheapest deal taking the payments, the costs and penalties into account.