Self-Certification Mortgages
It is difficult to package a case to a self-certified mortgage specialist and most will only be willing to work with the mortgage advisors directly and not the public. The few that are willing to work with the public will go into your credit rating and if you are turned downed first time - this is recorded on your credit report and can be the single reason alone that another lender rejects you - continuing the cycle. In addition to this the prior experience and current lender knowledge professional mortgage advisors possess as well there long standing relationship with lenders and there intermediaries add value to the service they provide. They will charge a non-refundable upfront fee as a standard industry practise to confirm an applicants commitment so shop around before paying for any service.
