Do Self Certification Mortgages cost more?

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Do Self Certification Mortgages cost more?

The answer to this question is YES, self cert mortgages generally cost more than conventional mortgages, the reason for this is that the lender will be taking a greater risk when lending to individuals who are classified as self employed or as having irregular incomes. As with most other forms of mortgages, self cert mortgages do not prevent you as the customer from seeking new deals by switching mortgages after a few years of acquiring the mortgage. There maybe early redemption and switching penalties involved on your self cert mortgage depending on which type of self cert mortgage you go for, i.e. fixed rate, capped rate, discounted rate etc, how much this will cost depends solely on your mortgage lender. It is important that you look at your mortgage agreement to see what you are signing up for and how and when you can switch.

To find out how much you could be borrowing and how much it will cost, simply fill out our quick mortgage application form and one of our advisors will be with you shortly.