12 (a decent amount when compared with virtually any other lender) self certification
mortgages are on offer from Bristol & West and are perfect for the self employed
or your income is partly made up of bonuses.
You need to be 21 or over and want to take out loan amounts between £25,001 and
£500,000.
Six of
Bristol
and West’s self certification mortgages remain at a fixed rate for 3 years before
reverting to a standard variable rate whereas the other self certification mortgages
are offered at a discount variable rate for the three-year period before reverting
to a standard variable rate.
Early repayment charges of 3% seem to be the norm on Bristol & West's self certification
mortgages. Loan-to-value rates on the various deals range between 75% and 90%.
All products tend to have a maximum loan-to-value of 95%.
Bristol
& West manages an equity in excess of £6 billion and has around one
million customers in the
UK
served through approximately 100 branches.
Bristol
and West was acquired in 1997 by the Bank of Ireland.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT