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Self-certification mortgage rates cut

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Bristol West Mortgages has announced that it has improved its range of self-certification mortgages by reducing mortgage rates.

Fixed and discounted self-certification mortgages are affected by the changes, which are available to remortgage customers, first-time buyers and homebuyers.

Self-certified mortgages allow potential borrowers, who do not fit traditional mortgage lending criteria, to qualify for mortgages. It is aimed specifically at people who are unable to prove their income.

The discounted deals are available to employed and self-employed borrowers. Remortgagers could benefit from specific deals offering free valuations and legal help.

Bristol West Mortgages offers mortgage rates starting from 4.99 per cent on three-year fixed rate mortgages with a maximum loan-to-value of 75 per cent.

For the same maximum loan-to-value, three-year discounted variable mortgage rates start from 5.19 per cent.

The head of marketing at the mortgage lender, Mark Howell, says that as a specialist mortgage lender, Bristol West Mortgages is able to offer true self-certification mortgages with mortgage rates that offer excellent value.

Over the last few years, self-certified borrowers hoping to find a mortgage have increased dramatically, the mortgage lender says, adding that this was caused be changes in traditional working patterns.

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