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A self-cert mortgage is really a mortgage where proof of income can not be provided for some reason. We no longer arrange self-cert mortgages. Please see our rates page for what levels of adverse credit is acceptable..

The amount you can borrow and the loan to value will depend on your level of adverse credit history, your income, the property you wish to buy (or already own if a remortgage) and how recent any credit problems are.

Maximum loan to value is 85% for old minor adverse, 75% with light adverse and 70% with slightly more adverse. Please see the rates page for what is acceptable.

The overall cost for comparison will depend on your circumstances. The actual rate available could depend on the loan to value. Ask for a personalised illustration.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

We will charge you a fee of £695 for arranging and processing your mortgage the fee is not payable up-front and only if we obtain a mortgage offer for you.