Trying to get on the property ladder can be daunting.

How much can you borrow?

What kind of deposit is required?

How much will related costs be i.e. solicitors etc?

Some lenders will lend up to five times annual salary in some cases. Much depends on your credit score with them and your profession.

Are you paying too much for your current mortgage?

Do you have the right mortgage for your circumstances?

Need to raise capital?

Many more homeowners are moving their mortgages in order to save money.

Mortgage rates are continually changing and it pays to shop around.

Self certification mortgages are for people whose income is difficult to assess.

They allow you to self declare your earnings.

Self certification is the process in which customers borrow based on what they claim their income is as stated on a signed declaration in the application form.

Having a bad credit history could mean you have experienced county court judgments, defaults, mortgage arrears and maybe even bankruptcy.

Fortunately it is still likely you could qualify for a mortgage, whether it is with a high street or sub prime lender.