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Ask any mortgage borrower what their main gripe was during the process of their last home loan and they will almost certainly site the mortgage lender as a major bug bear.

Lenders are notorious for being difficult, especially when it comes to specialised mortgages. They will turn down borrowers for little reason, they will demand endless paperwork, proof of income, credit scores and accounts. They will ask pertinent questions and they will generally make the mortgage process a chore.

But that's their job – they need to make sure that they are lending the right amount to the right person. Especially in this credit crunch, lenders are being as difficult as they can be so as to only accept the very best mortgage cases.

If you are trying for a self-cert mortgage, the difficulties increase tenfold. Lenders are very wary to lend to anyone who cannot prove their income – be that due to an income based on bonuses, on commission, on contracts or if the borrower is self employed – the process to get hold of a self cert mortgage can be very difficult indeed.

That's why a mortgage adviser is essential for any mortgage transaction in 2009. Not only will they be able to find you the right deal, but they will be able to hold your hand through the whole process. This may mean helping you fill in forms, searching for the right paperwork and even calling up the mortgage lender. The best mortgage advisers are the ones who do have regular, decent contact with the lenders.

So contact a professional who can help you through your self cert mortgage case, can iron out any creases and generally be an aid through a throughly difficult process.

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