It has never been more obvious to see how crucial it is to find the best possible mortgage for yourself, especially if you are self employed or cannot prove your income. The newspapers are littered with horror stories of people having to dramatically change their lives to be able to meet mortgage demands in the face of repossessions. And this is because they don't have the best mortgage to suit their needs - and as a non status borrower who may have changing or unpredictable incomes month to month that situation could be impossible. Well, don't worry - a self cert remortgage could be the way for you to find the best and cheapest mortgage possible. Self cert remortgage products are designed especially for those who cannot prove their income - self certified borrowers who have more than enough each month to meet repayments. But what are the best and cheapest self certified deals?

The first thing to consider when it comes to a self cert remortgage is what your income can afford - what type of self cert borrower are you? Maybe you are self employed and earn plenty but cannot prove it for various reasons, maybe you have two jobs, or maybe you are a freelancer who moves from one job to the next regularly - whatever your situation, know what you can and probably will earn from month to month. The best self cert remortgage deals are those that fit with your income streams, not ones that are going leave you high and dry at the end of each month.

Take a look at your finances - what is your situation like right now? Have you got debts that need consolidating? Maybe you will need a bigger self cert remortgage to be able to cope with your financial responsibilities. Or do you have a tidy nest egg saved up - if so maybe using that saved money with offset a self cert remortgage to lower your monthly rate could be your best option. If not, go online and have a look at some of the UK's self cert remortgage deals best buy tables to get an idea of rates. If you think you need to keep safe, then maybe a fixed rate self cert remortgage are for you. Or if you have done your calculations, maybe you think you have a little extra every month and can take the risk and go for a tracker rate, which may be able to save you a fortune in the future.

So once you know your limits and what sort of self cert remortgage you can afford, seek out some advice. A broker will be able to reaffirm your findings or will be able to find you another option. The self cert remortgage market is huge, so there will always be the best mortgage out there for you, it's just a matter of knowing where to look.

The best self cert remortgage is the mortgage that works round you - and in turn, the best fit for you will always be the cheapest self cert remortgage.