Self cert interest only

christmas_Kray

Hi, back in the day, well three years ago, I got a nice three year fixed deal for my mortgage, self cert interest only, I own another property that back then would have earned enough over the years to pay my mortgage, obviously that has changed. I never used the 'other' property as an income or anything, it is just there and I have a five year fixed for that and nice tenants so no worries there, except of course the fact that the value hasnt improved as I would have wished. BUT and here is the question, I need another mortgage for where I am living so where would you suggest I can get a good / best deal for a self cert interest only mortgage, I am guessing my home is worth somewhere between 230 and 270k probably as we have done a lot of work and it did go up before it came down about 250k, I need 186000 plus any charges, anyone got any advice? I have never missed a payment and have held mortgages for over twenty tears, different ones as I have moved etc, so Very good credit rating, Oh and as I have read a few messages on here, the 'clever' people that just make fun and are sarcastic, please dont bother, I am serious and it is important. Thanks.

_Andy_

What's the reason that it has to be on a self-cert basis?

christmas_Kray

Surely why is my business ? suffice to say its how it is and has to be.

_Andy_

christmas_Kray wrote: »

Surely why is my business ? suffice to say its how it is and has to be.

Well forgive me for trying to assist you. F*ck you and I sincerely hope your attempt at a new mortgage is declined.

christmas_Kray

_Andy_ wrote: »

Well forgive me for trying to assist you. F*ck you and I sincerely hope your attempt at a new mortgage is declined.

I was trying to be polite but if this is how people are treated on this site is it any wonder it attracts the morons, I merely didnt want to give all my details out on an open forum, sounds fair to me, or would you like it if I described my under wear as well..............

_Andy_

christmas_Kray wrote: »

I was trying to be polite but if this is how people are treated on this site is it any wonder it attracts the morons, I merely didnt want to give all my details out on an open forum, sounds fair to me, or would you like it if I described my under wear as well..............

(Replying on the assumption you're genuine and not trolling) - This is a 'money saving' site - on that basis why would you not want to explore a status mortgage as it will give you a lower interest rate?
I'll leave it here as I'm not especially convinced you're genuine and I don't like your defensive, rude tone.

koexelek

_Andy_ wrote: »

Well forgive me for trying to assist you. F*ck you and I sincerely hope your attempt at a new mortgage is declined.

That really made me laugh, Andy :rotfl:

I know what you were getting at........ not long self employed ?, unable to guarantee overtime ? etc etc etc

christmas_Kray

_Andy_ wrote: »

Well forgive me for trying to assist you. F*ck you and I sincerely hope your attempt at a new mortgage is declined.

Really, what a nice man you are, looking at your profile I see you say you are a Broker? get much work with that attitude do you ? I guess you will say yes, but in truth lets be honest, you are struggling and wanted to take it out on someone, wrong guy fella,

christmas_Kray

koexelek wrote: »

That really made me laugh, Andy :rotfl:

I know what you were getting at........ not long self employed ?, unable to guarantee overtime ? etc etc etc

I just thought there might be someone here who knew a good place to get a self cert mortgage, I thought there might be some professionals on here, sorry I was SO wrong, just people who want to discuss the weather and swear, sorry people but I am genuine, if you cant see that then I am on the wrong site.

hethmar

I think Andys question was reasonable - he no doubt thought you may not have investigated the other options available to you.

koexelek

christmas_Kray wrote: »

I just thought there might be someone here who knew a good place to get a self cert mortgage, I thought there might be some professionals on here, sorry I was SO wrong, just people who want to discuss the weather and swear, sorry people but I am genuine, if you cant see that then I am on the wrong site.

OK, the sort of lenders that might be able to help are..... BM Solutions, Bank of Scotland, Standard Life Bank...

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