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It is not mandatory to remain in category of self cert mortgages which is relatively more expensive, throughout life. It can be transferred to any mainstream mortgage provided it fulfills the required criteria. If circumstances change or an individual is able to build up his accounts for two or more years, he can conveniently switch over to any other mainstream mortgage. It can however, be discerned that how one can re-mortgage without early repayment charges or any penalty. In mortgage phenomenon one has to keep in mind that fixed and varied rates as well as much more flexible features are available to borrowers and one can conveniently re-mortgage to a cheaper stream deal on change of circumstances.