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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 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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Self-Cert-Loans.com
by Loans 4 People Ltd (Licensed Credit Brokers)
All purpose loans with instant approval.

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Typical 12.7% APR variable, rates from 7.3% APR variable to 19.9% APR variable. The actual rate will depend upon your circumstances.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSED IF YOU DO NOT KEEP UP PAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT. LOANS ARE SUBJECT TO STATUS AND SECURED ON YOUR HOME.

Loans arranged from £10,000 - £100,000. Applicants must be homeowners and aged over 18. A fee of 0 – 10% may be charged on difficult cases. Fixed rates are available please ask for details.”

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