Hot Topics

What kind of loan should I get?
Which loan you choose depends entirely on what you need it for. There are many different kinds of loans, depending on where you buy them from.
If I decide I need a personal loan, which type of lender is best?
Banks, building societies and specialist finance companies all offer personal loans. None are any better than the others in any outright sense – but because the market is so competitive, you'll need to shop around.
Can I have a fixed rate loan?
It is entirely up to you if you want a fixed rate or a variable rate loan – however there are some limits to this.
What if I want to move house during the term of my loan?
Moving house is only an issue if you have a secured loan – as you have borrowed against the value of your house. How your loan company deals with this varies greatly. Some allow you to transfer your loan to your new property, using your
I am having trouble making repayments on my loans, should I get a debt consolidation loan?
If you have a number of debts and are having trouble managing them all, then a debt consolidation loan may be your only option.

I’m self-employed, am I still eligible?

Self-employed loans used to be difficult to find and expensive. But today, now that more and more people are working for themselves, self-employed loans are widely available and, as interest rates have fallen to their lowest in years, more affordable.

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So whether you're a contractor or you run your own business, whether you have certified accounts or no proof of income, you can still obtain credit with a secured or unsecured self-employed loan.

A wide variety of lenders offer self-employed loans – and they can be tailored to suit your individual financial circumstances. For example, if you have an adverse credit history or bad credit rating, such as mortgage arrears, credit card problems or payment defaults, there are still companies that will offer you a self-employed loan.

If you can't prove how much you earn, you will be able to self-certify your income using a professional organisation. If you have at least 2 years’ certified accounts, you will be able to take on a loan that offers similar rates and benefits to those you would enjoy if you were employed.

 

Risk Warning
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. Security by way of a charge on your home may be required.
Think carefully before securing other debts to your home.