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It might seem as those all the news surrounding self cert borrowing is bad news of debt and arrears – but let's remember that many self cert borrowers have no money troubles and are always looking for ways to save.

The main difference between self cert savers and self cert borrowers is that banks love self cert savers. They might not like to lend money to people who cannot prove their income but they will have no trouble taking money from the same, hard working individuals.

As a result, most self cert borrowers think that they do not need specialist financial advice to help them find a way to save money – they can just walk into any bank or building society and take out a savings account, an ISA or even a more complex financial product.

But self cert borrowers are different to regular borrowers – they earn money erratically, they may earn in lump sums and they have different tax needs. That's why they still need a specialist financial adviser to help them find financial products that can make the most of their money. That might be a specialist ISA, it might be a investment fund or it might even be a tax-efficient structured fund or trust.

Why hand over your hard-earned money to a bank that does not want to lend you money? With the help of a financial adviser you can make your money work harder and can be safe in knowledge that your investment is the best choice for you, as a self cert borrower and investor.

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