Self
Certification Loans - UK
Find Today's
Leading Self Certification Loans. Compare Self
Cert Loans. How To Apply for a Self
Certified Loan.
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Fone a Loan works with a range of lenders to
ensure 99% of all applications are
successful, whatever your circumstances. Jargon free application
process ensures enquiries are dealt with
quickly and efficiently.
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Homeowners Only
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Loans between
£3000-£1,000,000
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Borrow over 3 to
25 years
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Up to 125% of
property value
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Self employed
welcome
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No upfront costs
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Bridging Loans
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Discount Rates &
Payment Holidays
Available
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Mortgage
arrears, CCJ's &
Defaults
accepted
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A
Self Certification Loan is an option if you are self
employed and, or cannot provide three years proof of
income.
With a Self Certification Loan
you will be asked to declare your income yourself,
your lender will not ask to look at your accounts as
proof of earnings. You may be asked for an
accountant’s certificate stating that your income is
sufficient to service the loan. Some self cert
loan providers will ask for a few bank
statements covering a period stated by them, so they
can look at gross income.
Use any means available to you to
proving that you are of less risk to a lender is
beneficial. If you have a landlord or already have a
mortgage then use these as proof of punctual
payment. Most self certification loans carry a
higher interest rate.
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
There are a number of companies who offer competitive
self certification loans. Use one of our
free Self Cert
Loan Calculators to compare different
Loans.
With a Self
Certification Loan you will
be asked to declare your
income yourself, your lender
will not ask to look at your
accounts as proof of
earnings. You may be asked
for an accountant’s
certificate stating that
your income is sufficient to
service the loan. Some loan
providers will ask for a few
bank statements covering a
period stated by them, so
they can look at gross
income.
Use any means
available to you to prove
that you are of less risk to
a lender, the more ways you
can find to prove you are
not a poor payer the better
for you. If you have a
landlord or already have a
mortgage then use these as
proof of punctual payment.
Most self certification
loans carry a higher
interest rate so you should
be prepared to pay this.
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