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Self Cert loans have been vilified of late for being the root cause of many of the problems we are facing in the mortgage market today.

Many critics say that too many self cert deals were given to people who did not need to be self certified. They say this was an easy way for people to get hold of larger mortgages, but not mortgages they could afford over the long term.

Regardless of the criticism, you have to remember that there is nothing wrong with self cert. If you cannot prove your income – you may be self employed, you may run a business or you might work from commission – you need to find a way to access mortgage credit.

And to be sure that you are taking on a loan you can afford, you need to seek professional self cert advice. A professional will be able to not only steer you towards the best remaining self cert mortgages, but will also be able to comprehensively outline the whole history of your mortgage.

There are a lot of scare stories out there, but if you believe them all you will never have the opportunity to get hold of finance that works for you. So close your newspaper, turn off your television and talk to someone who really knows what is going on with self cert – a mortgage professional.

Keep up with the latest news and comments on Self Employed Mortgages at the Self Cert Mortgage Blog