Help is within your reach, whether you are self-employed, have bad credits, no proof of income, but have an equity tied up in your home. No restriction on mortgage loans as you are free to use it for your car purchase, your wedding, education or holidaying, the choice is yours. Mortgage advisors will request you to move from an inadequate mortgage and take full advantage of current products available such as fixed rate, tracker or discount mortgages which can offer you more competitive rates.