Secured Loans - £10,000 to £1 Million.
CCJ's, Defaults and Mortgage Arrears.
Simple and Secure.


I confirm that I have read and consent to my personal information being processed in accordance with The Money Hub's Privacy Policy. I also confirm that I have read The Money Hub’s E-Marketing to Customers and consent for The Money Hub to market to me by email. On receipt of this enquiry we will contact you to discuss your requirements.
100% Secure


We Gather Information Required to Search the Market

We gather some basic information about you using our quick online form

Conduct a Whole of the Market Comparision

We will search 100’s of providers to find you the lenders who are willing to approve your mortgage

Provide full service through to completion

We will show you rates along with the monthly repayments. This will not affect your credit score. We’ll also explain any fees if you progress at this point and as long as you are happy to proceed, provide you with the full service through to completion of your mortgage being accepted


(not all lenders displayed - not specific to your personal circumstances)

Customer Reviews


How we work?
By making an enquiry we will contact you to discuss your needs and outline if we can be of assistance. We will then request a copy of your credit file and this will be passed to a qualified adviser to review and give you advice and discuss possible quotations. If you wish us to proceed and get a ‘Decision in Principle’ we can do so. Once we have a decision from the lender we will discuss and email you a formal quotation and outline the process from there.
What is a homeowner loan?
This is a loan secured on your property as you are a homeowner. As the loan is secured upon the property lenders are more willing to provide cheaper rates when compared to unsecured loans and additionally can lend you more money over a longer term.
Can you get a secured loan with a bad credit history?
Yes. If you have had bad credit in the form of mortgage arrears, defaults, county court judgements, IVA and payday loans we have lenders that can help providing you have enough equity and can clearly afford any new borrowing.
How much can I borrow?
Secured loan lenders provide loans from £10,000 to £750,000. This depends upon your credit profile, equity in the property and affordability.
Why take out a secured loan rather than a remortgage?
We will always explore both options to ensure you get the right advice. Here are some reasons why a secured loan is more suitable, when compared to a remortgage:
  • Your main mortgage is at a low rate and any remortgage will be at a higher rate.
  • Your main mortgage has a large early repayment charge if you were to redeem this.
  • Your main mortgage has a long term left, whereas you want to borrow £XX over a shorter term to pay off quicker.
  • Your credit profile may mean a remortgage is not possible.
I have been declined in the past – can you help?
The key to this question is why you were declined. We provide an advised service, so if we cannot help you now we will explain why and provide advice as to what you need to do to be able to get a loan in the future.
How quickly can I get a secured loan?
Typical completion time from application is between 4 – 6 weeks.
What loan purposes do you accept?
Most legal purposes are allowed.

Best Mortgage Lenders For Self Employed

Can you get a loan if you are self-employed?

It is possible to be approved for a mortgage solely on self-employment income. If you can demonstrate sufficient, stable income and good credit to support the loan, a co-signer with a W-2 is not necessary. However, there are situations when a co-signer is useful in mortgage approval for the self-employed.

In these cautious times, banks are increasingly wary of lending to anyone without a solid financial track record and that applies especially if they are self-employed. However, as the number of self-employed people rises, lenders realise that there is an expanding market which needs to be served. So although it may be harder to get a personal loan if you are self-employed, it is not impossible.

Use your self-employed loan for almost any purpose

Self-employed loans can be used for almost any purpose. Whether you need to make some home improvements, buy a new car, or pay for school or university costs, it could help.

Perhaps you need a bit of extra help with your business? That could be buying new office equipment, or a van to help you expand - a self-employed loan could help you do this.

Self-employed loans

There are millions of self-employed people across the UK and working for yourself has lots of benefits. You are your own boss, you have the freedom to fit your work around your family, you might be able to work from home.

However, it has its disadvantages too. For example, finding a good deal on a loan can be a difficult task. That is because some lenders may consider you more of a risk to lend to, as your income could be classed as unstable. This means they may be unprepared to lend to you, or borrowing from them could be more expensive.

Whether you are a contractor, sole trader or run your own small business, a self-employed loan could help you borrow, so be sure to get a self-employed loan quote.

Proof of income

Responsible lenders need to make sure that loans for self-employed people will be repaid, so they will ask to see evidence of your income. It will vary depending on the lender but you may be asked for as little as 6 months’ proof of income, or as much as 3 years. This could be bank or business statements, or a finalised accounts statement; again, this will depend on the lenders requirements.

No Proof of Income

Most of the lenders around the financial market ask for two or three years salary accounts, bank account statement and other employment details. However, these documents are not necessary with these loans. The borrower can get around £100,000 with no income proof self-employed loans.

We specialise in self-employed loans whether you are a sole trader, sub-contractor, limited company or a partnership. We can help organise loans for people who have a clean credit record or maybe you have had some bad credit in the form of mortgage arrears, defaults and/or county court judgements.

Being Self-Employed has many benefits such as being your own boss and working the hours you want to, which is why more people are becoming self-employed since the economic downturn. We understand that being self-employed can also be more difficult to get a loan however we work with a range of niche lenders who understand how self-employed people structure their earnings and are therefore comfortable in offering you a loan.

Specialist self-employed loan lenders that we work with are happy for self-employed applicants to verify their income by providing their Self Assessment tax return, Company Accounts, accountants certificates and in some cases 6 months’ worth of bank statements.

Loans for self-employed are listed below and which we could help arrange for you:

  • Secured Loan - £10,000 to £1 Million over 3 years to 25 years. (for homeowners only)

  • Business Loan - £3,000+ over 1 year to 25 years.

  • Guarantor Loan - £1,000 to £10,000 - 1 year to 5 years.

  • Asset Financing - £5,000+ over a repayment term of the economic value of the asset.

I have been rejected by other lenders in the past for a self-employed loan, can I still apply?

Just because you have been rejected by one lender, it does not necessarily mean you will be rejected by another. Each lender has their own acceptance criteria and some specialise in helping the self-employed and those with poor credit.

We would not recommend applying for lots of loans at once as each application leaves a mark on your credit score.

Can I finance a car if I am self employed?

Being self-employed does not mean you cannot get a car loan. In fact, contractors and business owners qualify for auto loans all the time. The important thing is knowing what documentation is required in order to show the lenders that you are able to fund the loan.

How a self-employed loan could help you

Whether its to invest back into your business, buy a new company vehicle or to invest in new premises, a self-employed loan can make a huge difference. But when you work for yourself having the money to do these things is not always possible.

We help countless self-employed people move forward with affordable borrowing. That is because we look at your full personal and financial circumstances to determine whether a loan is affordable. And it means your payment terms will suit your unique situation.

Whether you are a self-employed tradesman such as a plumber, carpenter or a self-employed IT contractor we can help find you the most suitable and affordable self-employed loans. Please complete the enquiry form or give us a call to discuss your requirements in detail.



We are currently processing your details

Thank you for your patience