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As the credit crunch rolls on, it is becoming tougher for people to access mortgages without a proof of income – meaning the need for a mortgage broker is becoming ever more crucial.

Last week Halifax, one of the UK's largest mortgage advisers, put more restrictions on their self employed mortgage range – borrowers will now need even more equity and a perfect credit score if they are to secure a mortgage with no proof of income. And as the Government becomes more critical of self cert lender, no proof of income mortgages could become even more restricted.

This means self employed people will have to save more money and will have to make even more sacrifices to be sure of being accepted for a loan.

So the best way to get accepted for a loan is to go through a mortgage adviser. An adviser will help manage your money, clean up your credit score and find the best-fit deal for you.

There are no guarantees in this tough environment – lenders are saying no a lot more than they are saying yes – but with an adviser your chances are much increased. Lenders are looking for the best of the best self employed borrowers – and they are always the ones that have been given the best advice.

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