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You may have worn yourself out walking up and down the high street unsuccessfully trying to get hold of a mortgage – and you may not know why you keep being turned down.

It's the same old story – you go into a bank or a building society and you are told that you do not meet their lending criteria. You may have even gone online to see if you could get a loan that way, only to find that your electronic attempts were also in vain.

But why are you being denied a loan? You earn good money each month, you are able to pay all your bills and you are confident that the loans that you attempted to sign up for were within your price range.

The problem may be that the banks and building societies simply do not recognise your income. You may not earn a regular monthly pay cheque – you may be a freelancer, you may run your own business, you may work two jobs, you may get a lot of your money on a commission basis or you may rely on bonuses to be able to afford to pay your way. All of these are common ways to earn money but few lenders will trust them.

All these forms of income demand self cert mortgages – specialised loans that are designed for people who do not earn a regular income. They are offered by specialised lenders who assess their potential borrowers on a case-by-case basis.

You have probably not heard of this type of lender or even this type of loan because they are only found through specialised mortgage advisers. So if you want to get hold of a loan and are tired of hearing no, talk to a specialised self cert mortgage adviser who can help you get hold of a specialised loan from a specialist lender.

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