Self certified remortgage rates
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There are some great value self certified remortgage rates available through dozens of UK lenders - but it can be difficult trying to find the right one. First Mortgage is an independent broker that searches the whole of the market. We provide a totally impartial, completely FREE service that guarantees to find the best self certified remortgage rates. If you manage to find better, we’ll happily refund the difference for a year!
Find great value self certified remortgage rates with First Mortgage
What is a self certified remortgage?
If you are one of the many thousands of self-employed workers in Britain, you may want to take out a self certified remortgage. Useful for anyone that can’t prove their income with payslips or suchlike, this type of deal allows you to take out a remortgage without producing financial documents. However, because of the increased risk to the lender, self certified rates are higher than standard deals.
Is a self certified remortgage rate right for you?
Although self certified mortgage rates are higher than many other types of remortgage deal, they can still be very reasonable. Self certification has several pros and cons that are worth considering before you make a decision:
You won’t have to supply accounts, payslips or statements to be approved
Fixed, capped, tracker and discount rates are all available
It’s a popular choice for all kinds of borrowers, including freelancers, unsalaried company directors, part-time employees and even people with bad credit history
If your current income doesn’t reflect what you expect to earn in the near future, you can self-certify to take that into account
Due to extra risk for the lender, self certification usually has higher interest rates than traditional deals
Usually requires a larger deposit than many other types of deal (the higher the deposit, the lower the interest)
Call us on 0845 603 1525 for more help information. First Mortgage prides itself in finding the very best deals on the market.
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