Self certification is the ideal solution for new businesses with no accounts, self-employed, sole traders or business people with multiple sources of income. Until recently lenders varied in their proof of income requirements, often needing accountant references, two years trading history or tax returns. Recently some lenders have introduced 'true' self certification where no proof of income is required, (subject to certain criteria).

 

The Self-Cert mortgages we offer may be used for commercial owner-occupation, commercial investment or residential buy-to-let purchases. We even have self-cert products designed for clients with some adverse credit history.  Please also see our latest offers section below which is updated daily. Click here for our 1 minute enquiry form.

 

Self Certificate Top 5 - May 2007

Initial Rate	Type	Reverts To	LTV	Further Information	Early Repayment Charges	Code
2.75 over LIBOR 3	Com  Owner	For loan Term	55%	Up to 3 years interest only payments Term 10-30 years (up to 85% LTV available) 1.95% Lender  Arrangement Fee on completion	6%  for the first 3 years. 1% Thereafter	FC03
3.35% over LIBOR 3	Com  Investor	For Loan  Term	70%	Up to 5 Years interest only payments Term 10-30 years (up to 85% LTV available) 1.95% Lender  Arrangement Fee on completion	6%  for the first 3 years. 1% Thereafter	FC04
6.05% Fixed to 01/06/10	Buy to Let	SVR (LIBOR 3 Lender Margin)	80%	£995 Lender completion fee Terms 10-30 years (Up to 90% LTV available) Rental Cover 100% of pay rate Interest Only	6% to 0106/09	FT01
1.25% per month	Bridge	For Loan  Term	80%	Min Loan £26,000 1% Lender Acceptance Fee Interest roll up, defferred payments and stage payment options available All property types considered Max term 12 months	0.5% Exit fee	BL01
1.75% over BBR	Com Owner/ Com Investor	For Loan Term	70%	1% Lender Arrangement Fee 2 years accounts/trading history required Term 15-20 years	None Applicable	NT01