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Its no easy feat getting on the property ladder these days, from Stamp Duty to rising rates, the odds are stacked against first time buyers. And its not going to get any easier with tightening credit limits, rising mortgage rates and unrelentingly high house prices meaning it is going to take a lot to finally get those keys to your dream home in 2008. But with a 95 percent self cert mortgage there could be light at the end of the tunnel. A 95 percent loan to value mortgage that needs no proof of income. What a 95 self cert mortgage means is that first timers who are having trouble proving income as well as finding the cash to meet small LTVs can finally get help and get on with their own home.

Learn more about the 95% Self Cert Mortgage