Low Interest Secured Loans | Self Cert Secured Loans

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Secured Loans -
Key Facts

How much can I borrow?
The maximum loan is usually from 85% of the value of your property and up to 125%, depending on your circumstances.
Can I use the money to clear my debts?
Yes, consolidating many smaller more expensive loans into one loan is very popular.
Can I use the money as a deposit on another house?
You can use the money for almost anything you want.
Does the lender carry out a credit search?
Yes.
Does the lender carry out a survey?
Yes, but the lender pays for the survey.
Do I have to pay solicitors?
No, the lender pays.
Can I get a fixed rate secured loan?
Yes, they are all fixed rate, so you know exactly how much you will pay every month.
Over how long can I pay off a secured loan?
From 1 to 25 years.
Can I pay off the loan early?
Yes.
Can I avoid the 8 day cool off period for loans less than £25,000?
No, it is built into the regulations that you must be given the cool off period.
Can I use the secured loan to stop repossession?
Yes.
I am self employed but have no accounts?
No problem.
I am a contract worker, I do not have pay slips or accounts?
No problem.
I live in a shared ownership property, can I get a secured loan?
Yes.
I have recently been discharged from bankruptcy, can I get a secured loan?
Yes.
I am currently paying an IVA, can I get a secured loan?
Yes, but we need more information.
Can I pay interest only?
Yes, but only a limited number lenders offer this.
If I self cert, do I need accounts?
No, but a self cert with some evidence of income, ie, your main job, will get a lower interest rate.
How long do I need to be self employed to self cert?
There is no minimum, you can self certify at any time.
Do I pay a higher interest rate if I self certify my income?
Yes, because the lender is taking more risk.
Can I self certify my income if I am employed?
? Yes, self cert is open to anybody because so many peoples incomes are not limited to just one job.
Do I need an accountant to self cert my income?
No, self cert can merely be confirming your income on the application form, but your self certified income must accurately reflect your income.

Your home may be repossessed if you do not keep up repayments on
your mortgage.

Consumer Credit Licence No: 562186
Data Protection No: PZ9286553

Personal Details
Is this a single or joint application
Single Joint
	1st Applicant	2nd Applicant
Title
First Name
Last Name
Date of Birth
Your Home
Property number/name
First line of address:
Town
County
Postcode
How long have you lived at this address?

Is this the property you will use as security for your loan?
	Yes No	Yes No
If No, please complete the following
Property number/name
First line of address:
Town
County
Postcode
How long have you owned this property?

Is this a	Buy to Let Second Home	Buy to Let Second Home

Contact Details
Daytime telephone
Evening telephone
Mobile Number
Email address
Best time to contact
Employment Details
Are you:
Job Title
Monthly Income (before tax)
Time in employment?
Are pay slips available?	Yes No	Yes No
If No, you may find a Self Cert Income application easier
How/where did you hear about us?

Note An income that is not provable is not a problem, but an income which can be shown via bank statements, verification from a charted accountant, confirmation from the Inland Revene with regard to self assessment, will get you an attractive interest rate.
Privacy Statement We treat all the information provided by you with the utmost care and security. Any details you give will remain confidential and will only be disclosed at or with your consent, where we are legally obliged to do so or where we have a duty to the public to disclose that information. The information collected by us will be used only for the purposes stated by us. Where we use your personal details to communicate to you information about products and services we will give you the opportunity to tell us that you do not wish for it to be used in such a manner. Please do not provide your details to us if you do not consent to the above.

Self Cert Secured Loan Enquiry