Self-Certification Mortgages

Have you ever wanted to buy a property that offers great capital growth but a low rental yield and then struggled to find a Buy to Let lender?

Most BTL lenders require the rent a property achieves to be at least 125 -130% of the monthly mortgage payments and for high value properties, this very often doesn’t fit.

Even if you can squeeze it through, very often you will be charged very high fees for the privilege of a rate deal that works.

The good news is that there are a small number of lenders that will cater for this and allow the affordability to be based on your own income (self-cert of course!) With a recent change of lending criteria you can now buy 10 plus properties this way and with great rates starting from 5.09% these deals are also very competitive.