Self Cert UK
Self Cert UK Mortgages | What You Need To Know
Self cert uk mortgages are available from a variety of lenders, many of which do not operate direct to consumers. These intermediary-only lenders sell self cert uk deals through mortgage advisers.
If you think a self cert uk mortgage would be right for you, it might be worthwhile contacting a specialist self cert uk adviser who understands the sector completely and will be able to find the most appropriate deal to meet your needs.
Such an adviser will first complete a 'fact find' which looks at your financial circumstances and attitude to risk before assessing whether a self cert uk mortgage is right for you. Then they will take your particular requirements and scour the self cert uk market, including lenders who do not operate on the high street, and come up with a selection of the best deals available to you. Some of these could be exclusive products that are only available to mortgage intermediaries.
Once you have decided which deal you want to go for the adviser will help you fill in the application. With some self cert uk lenders much of this can now be completed online, speeding up the application process. Plus some lenders' systems can give an immediate decision online about whether or not they are prepared to lend you a self cert uk mortgage, meaning you can go ahead with your house purchase or remortgage as soon as possible.
Even if the lender does not have such technology the advantage of dealing with a self cert uk specialist mortgage adviser is that they have good relationships with the specialist lenders meaning you can often benefit from service levels above and beyond what could get on the high street. The mortgage process can 
be completed more quickly and your mortgage broker will deal with any paperwork that needs completing or chase the lenders if there are any delays. And you know you are dealing with an expert. All mortgage advisers in the UK must be authorised by the City watchdog, the Financial Services Authority. In addition, they have to have passed professional examinations in mortgages before they advise, giving you confidence that they understand the mortgage market in detail.
And when it comes to specialist sectors, expert advisers can make a real difference. So if you are self employed or just think you would find it difficult to prove your income to a mortgage lender, consider employing the services of a self cert uk mortgage adviser.
