Self Certified Loans

If you are self employed and are looking to self certify your income, then Any Loans can help. Any Loans work with a number of the leading self certification lenders which means you can self cert your income with ease. Just click on the relevant button below and complete the short form.

Save £££'s Search Top LendersFree No Obligation ConsultationAny Credit History & Self Cert Secure & Confidential Service

Self Certified Secured Loans

In recent times the UK workplace has seen more and more people become self employed. Because it is so common place, the majority of lenders now offer self certified secured loans with many of the mainstream banks and finance providers moving into this field.

Over the years, self employed borrowers have felt the pinch when it comes to borrowing money - even today many secured loan providers will apply a higher rate of interest if you are looking to self certify your income - this higher rate of interest is also known as a 'loading' and can usually equate to around 0.25% above that of a conventional 'status' application.

If you were self employed 10 years ago for example, there would only have been very few lenders who would have offered this type of secured loan. More recently, many specialist lenders and even mainstream banks (Often trading in different names) have moved into this field, recognising the large number of self employed applicants with limited or no proof of income.

Self certified secured loans are generally available for those individuals whose income is difficult to assess using the traditional methods. These types of secured loan products can allow you to declare your income without necessarily having to provide audited accounts to back it up.

Individuals that are self employed in society, today have just as many choices and opportunities as those people who are on the payroll - with regards to personal finance. The actual rate that you pay on self certified secured loans might be a little higher than someone that does not need to self certify their income. But generally speaking the rates that are available to you are still highly competitive.

Self certified loans represent a higher risk for lenders so interest rates will tend to be higher than conventional loans.

Whether you are a builder, shop owner, director, entrepreneur or have multiple streams and various sources of income, you may be able to declare your income by way of signing a declaration to that effect. Different lenders will have different criteria when it comes to affordability assessment - subsequently this will mean that for self employed status applications, they may require different items for providing evidence of income.

For example 2 years of accounts, a letter from your accountant, tax returns and bank statements. If you are looking for a non status application or 'self cert', usually no backup proof of income is required and you may be allowed to simply declare your earnings. This facility is not for exaggerating your income in order to gain loan qualification.

The majority of lenders will simply be happy with a self assessment of income so you will not have to provide evidence in any other way. This offers a very simple and hassle free process.

To find out more and to see what rates are available for you on self certified loans please click on the relevant link below.

In The Finance News

New buyers get in a fix
Fears that interest rate hikes could push the cost of mortgages beyond them are prompting a record number of first-time buyers to opt for fixed rates

She Did It Her Way
Why are women bailing from Corporate America? We get answers from a group of elite entrepreneurs nominated by our readers
Publ.Date : Fri, 16 Mar 2007 07:46:00 EDT

Car buying set to increase in 2007
Demand for cars will grow rapidly over the next 12 months, according to new research by AA Personal Loans.
Publ.Date : 06 Mar 2007

UK's Brown prefers "green" incentives to penalties (Reuters via Yahoo! News)
British finance minister Gordon Brown will call on Monday for international action to tackle global warming and argue the best way to change people's behavior is through education and incentives, not taxation.
Publ.Date : Mon, 12 Mar 2007 14:20:07 GMT

Money pours in to realise the Bombay dreams
Since the days of the British East India Company, investing in India has always held romantic appeal.
Publ.Date : Fri, 2 Mar 2007 12:34 GMT

New on the market
A round-up of some of the new mortage deals of interest to home buyers and remortgagers

Mixed picture on spending/lending front
Updated figures on the spending/lending front paint a mixed picture with consumers continuing to reduce credit card spending but borrowers maintaining a robust mortgage lending market.
Publ.Date : 20 Feb 2007

Research and Markets: Coutts, The International Private Banking Arm Of The Royal Bank Of Scotland Group, Offers ... (Business Wire via Yahoo! Finance)
DUBLIN, Ireland----Research and Markets has announced the addition of UK Niche Mortgages 2007 to their offering
Publ.Date : Tue, 13 Mar 2007 11:32:00 GMT

Banks dumping customer details in street
Thousands of bank customers have been put at risk of identity fraud after their account details were dumped outside branches

Podcast: Making the Leap
Amy Errett, CEO of travel company Olivia
Publ.Date : Fri, 16 Mar 2007 07:46:00 EDT

 

 

 

 

 

 

 

 

 

Self Employed Finance

self certified finance

If you are self employed you can self certify you income with ease here.

Self Cert Loans Self Cert Mortgages Self Cert Remortgages

Bad Credit History?

self certified bad credit loans

If you have suffered from an adverse credit history such as CCJ's, IVA's, Bankruptcy, Mortgage Arrears, Credit Card Defaults and alike - then Any Loans can help.

Bad Credit Loans Bad Credit Mortgages Bad Credit Remortgages

Debt Consolidation

self certified debt consolidation

If you are looking to clear off your debts, then Any Loans can arrange a fast, low rate debt consolidation loan or remortgage.

Consolidation Loans Remortgage

Home Improvement

self certified home improvement

If you are looking to make some home improvements then a loan or remortgage is a great way to raise the finance you need.

Secured Loans Remortgages

Confused? Need Help?

self certified finance

If you have question, need some help or you are unsure what type of finance you require, please click below.

Got A Question?

 

 

 

 

 

 

 

 

 

 

 

 

 

 


 

Home | UK Finance Blog | About Us | UK Finance News | Privacy Policy | Partners | Lenders | Disclaimer | Glossary | Site Map | Contact

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.


© Copyright 1998 - 2007 Any-Loans.co.uk