Need a Self Certified Loan?

With just a few details from you we can search over 300 Secured Loans. As our valued customer you don’t have to shop around looking for the lowest rate, wasting your time and resources.

Talk to an experienced mortgage advisor. Their quotes are free and an answer can be given in minutes.

Simply complete our form. You will receive a call from a financial advisor, receive a free quote. No obligation - No credit Check

Submitting Details... Step 1 of 3 About your loan How much would you like to borrow? Over how many years?   Please select 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years   Purpose of loan? Current residential status? Please select Debt Consolidation Home Improvement Car Holiday Wedding Other   Please select Home Owner - With a mortgage Home Owner - No mortgage Private Tenant - Furnished Private Tenant - Unfurnished Living with parents Other   What is your monthly income? (including any benefits) Your employment status?   Please select Employed Self-employed Unemployed Home-maker Student Retired Other   Proceed to step 2.   Step 2 of 3 About your loan You qualify for two types of loan. Select either: Homeowner Loan Is secured on your home. Rates depend on your circumstances; usually lower than an unsecured loan and often more flexible. Unsecured Loan Not secured on your home. May not qualify you for the best rates. Applying to a number of lenders may affect your credit score.   Estimated value of your property?   Your current mortgage balance?       Where will you buy your car? Please select A Dealer Private Sale I'm Undecided   What is the total value of money you owe to companies?   Do you owe money to 3 or more companies?     Yes No   What is your monthly rent/mortgage payment?   Your living arrangements?     Please select Single Living with Partner Single & 1 Child Single & 2 Children Single & 3 Children Single & 4+ Children With Partner & 1 Child With Partner & 2 Children With Partner & 3 Children With Partner & 4+ Children   Your date of birth?   Do you have adverse credit? (if yes, we can still help) -- 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 -- January February March April May June July August September October November December ---- 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940     Yes No   Proceed to step 3.   Step 2 of 3 About your loan Based on your information we recommend you speak to a personal debt adviser. They will offer you advice on: Whether a loan is your best option Consolidating your debts Reducing the amount you owe How to freeze your interest payments Protecting you from creditors Proceed to step 3.   Step 3 of 3 Your details First name: Last name:     Phone number: Alternate phone number:     E-mail address:   First line of current address: Current postcode:     Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry. Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail. Finished Thank you for your enquiry. Your adviser will be in touch with you shortly.

We are one of the biggest UK loan advisory firm, you'll benefit from a huge range of loans and deals that are exclusive to us. With us you can look forward to:

Low UK Loan Rates, One person to help you from start to finish, Experts in loans for difficult situations, Open to help when the High Street isn't, Repayment plans to suit your pocket!

Self Certified Loan

Borrowers can apply for self-certified loan, without any income proof. There can be several reasons for this

For example, if the borrower has business related to cash and does not have any account as he is appointed as a director without any salary, or he has adverse credit history and existing poor credit, the self-certified loan is also provided to these type of borrowers.

If debtors have defaults in mortgage payments, self certified loans can still be provided to them.

There is no obligation to accept the loan we find you. And you can cancel at any stage right up until completion with no cost to you.

A decade ago, Self-employed criteria were considered to be disadvantage for borrowers, who used to take loans in the United Kingdom. Due to unavailability of income proof, lenders cannot ask for pay scale offered to them, when people apply for self employed loans. Lenders are very thankful to the self-certified loans as the problem of self-employed loans has been eradicated.

There are many cases, which are arising day by day where people are leaving their jobs and looking to become entrepreneur and they are hiring the employees on contract basis regarding than hiring full-time employees.

The self-certified loans provide a great support in stating their income without providing any pay slips to lenders. There are many high profile lenders, who offer self certified loans. There are certain disadvantages, which borrowers have to bear, by paying higher interest rates and fees, while taking self certified loans.

The lending criteria of self-certified loan in UK, varies with lending institutions and financial companies. There are some lenders, who have concern with the financial strength of the borrowers. Lot of emphasis is provided on job title and credit history of the entrepreneur. Other financial organizations need to have look at the bank statements through which they can determine the financial strength of the self-certified borrowers

The interest rate charged on self-certified loans largely depends on the deposits made by the borrowers. Higher the deposits made by the borrower, the lower interest rate is  charged on self certified loans for the total loan tenure.