Even though I'm self employed, I managed to get my papers in order to get a mortgage three years ago.

A good friend of mine though, who works on and off in the same business as me, has not been so lucky and is thinking of a self cert morg. I personally avoided them when I was shopping around, anyone got any thoughts on these mortgages? She has a deposit of about £50,000 and perhaps looking for a place costing £130,000 over 25yrs.

I am a mortgage broker and self-cert mortgages are good as long as the client genuinely does earn what they say they do, but their accounts are not up-to-date.

As long as they earn at least £25k a year then with that deposit your friend will be fine