Self Certification Remortgage

Compare remortgage deals...

Self certification mortgages could could have helped if you are self employed or unable to prove your income for some other reason, but lenders are not a lot stricter about requiring proof that you will be able to repay your mortgage. Our quotes and advice service could help you to find a remortgage deal that is right for you, just click on the link:


Or, see the table below for some of the most competitive mortgage rates on the market at the moment:

Current Mortgage Deals
Initial RateProviderPeriod ToTypeAPR*LTV 
1.99% The Mortgage WorksNov 2011Variable 4.70% 75% More
1.99% Cheltenham & GloucesterNov 2012Variable 4.00% 75% More
1.99% Lloyds TSB ScotlandNov 2012Variable 3.90% 75% More
2.00% Chorley & District BSSep 2011Discounted Variable 5.20% 75% More
2.19% first directSep 2012Variable 3.50% 65% More
*APR - Overall Cost for Comparison
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Mortgage Deal Selection - Call Lender Direct
Initial RateProviderPeriod ToTypeAPR*LTV 
2.89%
Lifetime TrackerTracker3.00%70% 
Lifetime Tracker Deal. Capital Repayments up to 10% without penalties.Product fee £1499. Early repayment fee 1% of balance repaid until 30/11/2012. Call 0845 0701720
2.54%
2 YearsTracker3.50%75% 
2 Year Tracker Deal. Capital Repayments up to 10% without penalties. Product fee of £945. Early repayment fee of 2% for first 2 years. Call 0800 1838892
3.39%
2 YearsFixed4.10%60% 
2 Year Fixed Deal. No product fee. An early repayment charge applies until 31/08/2012. Maximum LTV 60%. New purchase only. Call 0800 068 7624
3.75%
NAVariable3.80%75% 
Offset Mortgage Deal. Designed to give you financial flexibility by helping you pay off your borrowing early by bringing all your finances together. Call 0845 8055689
4.95%
Aug 20122 Year Fixed4.24%80% 
First Time Buyer 2 Year Fixed Deal. £995 Product Fee. Call 0800 077 3454 to speak to a Santander Mortgage Specialist
4.99%
Sept 20122 Year Tracker 4.00%85% 
First Time buyer 2 Year Tracker Deal. Product Fee £497. Repayment Mortgage Only. Early Repayment Fees Apply. Call 0845 293 77 26 to speak to a Halifax Mortgage Specialist
5.45%
July 2012Fixed4.10%90% 
First Time Buyer 2 Year Fixed Deal. Early repayment charge until July 2012. Capital Repayments up to 10% without penalties. There is a product fee of £999. Call 0808 1091690
6.89%
Aug 2015Fixed5.20%90% 
First Time Buyer 5 Year Fixed Deal. For new Nat West Customers only. Maximum loan £300k. No Product Fee. Call 0800 1582934
2.99%
2 YearsFixed4.80%60% 
2 Year Fixed Deal No application charge. No Completion fee. Call 0845 0701720 and quote FI2. Monday-Thursday 9am-8pm, Friday 9am-5.30pm, Saturday 9am-12pm
*APR - Overall Cost for Comparison

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker 

In the past, if you had no proof of income but you need to remortgage your home loan, you could have considered getting a self certification remortgage so that you can:
  • Secure a mortgage despite being unable to prove your income
  • Get a mortgage even if you have an irregular income
  • Remortgage despite having bad credit, debts, overdrafts, CCJs, mortgage arrears etc.

Even though self-cert remortgage deals are now no longer available, you could still find a mortgage deal to suit your needs with our free service:

  • Get quotes from across the market
  • Compare deals from leading lenders
  • Get advice from a mortgage expert

Check out the latest rates in the table and compare self certification mortgage deals today and find the right one for you.