We use cookies to give you the best possible experience on our website. If you continue without changing your settings, we'll assume that you're happy to receive all the cookies on our website. However, you can change your cookie settings at any time.

Your Privacy

When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalised web experience.

Because we respect your right to privacy, you can choose not to allow some types of cookies. Click on the different category headings to find out more and change our default settings. However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.

Strictly Necessary Cookies


These cookies are strictly necessary for the Website to work properly and for us to keep it secure. They are needed to allow users to use the Website and its features, including to move between pages of the website.

These cookies are required

Performance and analytical cookies

These cookies allow us to collect certain information about how a user navigates the Website. These cookies collect information that is used either in aggregate form to help us understand how our site is being used or how effective are marketing campaigns are, or to help us personalise our site for you. We use Google analytics and Bing 1st party cookies, DoubleClick 3rd party cookies and Hotjar cookies for reporting purposes.

Cookie Name Purpose More Information
Bing Ads mui(x), _uet(x) Remarketing script and conversion tracking
DoubleClick Cookies _ide, _nid, _sid,
_dsid, _flc,
_aid, _taid
These are 3rd party cookies served by DoubleClick. They serve adverts to visitors based on the websites they've been to previously. Click here for more information about DoubleClick and how to disable this cookie.
Google Analytics _utm(x), _ga(x),
_gid, amp_token
These cookies are used to collect information about how visitors use our website. They keep track of when a visitor enters and leaves the website and any search engines and keywords that are used, including any personal and/or sensitive data. Click here for more information about Google Analytics cookies.
Hotjar _hj(x) These cookies are used to record anonymous videos about how visitors use our website. They keep track of how visitors engage with pages on our website. Click here for more information about Hotjar and how to disable this cookie.

Marketing cookies

These cookies are used to make advertising messages more relevant to you. We may use this data to tailor the marketing and ads you see on our own and other websites and mobile apps, including social media.

Self-employed customers

A loan for those in self-employment.

Same day enquiry

We’re here between 9am and 8pm Monday to Thursday, 9am to 7pm on Friday. If you contact us by 5pm we guarantee to get back to you the same day. If it’s after 5pm, we can’t promise we’ll be able to reply on the same day, but we’ll do our very best.

Your loan must be secured against your property.

I am a homeowner

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

Self-employed? Need a loan? We may be able to help.

We think looking at your individual situation, combined with our common-sense approach to lending, makes better sense for everyone.

Secured Loans for self-employed workers

As with most types of financial processes, borrowing money when you’re self-employed can be trickier. Extra checks, time and hassle can mean that the process ends up being stressful.

We aim to make the lending process really open and inclusive for the benefit of our self-employed customers. We do this by taking into account much more than a typical, restrictive loan-to-income ratio. We understand that our self-employed customers will have many different aspects affecting their eligibility for a loan, so it makes sense to consider additional streams of income, overall annual income and monthly income.

Key features
  • Secured loans from £10,000 to £1,000,000
  • We accept CCJs and Defaults up to 70% LTV (loan to value)
  • Variable rates from 6.65%
  • 5-year fixed rates from 7.4%
  • Interest-only repayment options available.
What do we offer? Types of loans for self-employed workers

From debt consolidation to home improvements, whatever it is you need a secured loan for, being self-employed shouldn’t be a problem.

We offer secured lending for:

  • Personal debt consolidation for self employed
  • Sole trader/self-employed business debt consolidation
  • Home improvements loan for self employed
  • Self-employed business loan
  • Loan for tax bill.
How we offer affordable secured personal loans for self-employed workers

With a focus on an inclusive lending approach, making our loans affordable and accessible is our priority:

  1. We offer an interest only option
  2. We don’t stick by the often-outdated loan-to-income ratio – we look at the bigger picture to reach an agreement on a loan that you can afford
  3. We take into account any additional streams of income you may have, as well annual income and monthly income.
Haven’t been trading long? Worried about your proof of income? Our smart approach to loans for self-employed customers helps to solve this

We can offer loans to successful applicants with just 12 months trading history. Typically lenders usually want 2 or 3 years of trading history.

To add to this, we understand that proof-of-income isn’t always a straight forward process. If you have an accountant, you can submit a professional accountant’s certificate, however we’ll also accept:

  • a fully completed accountants certificate. If the information is greater than 6 months old, we will use the projected earnings figure
  • SA302s provided the last SA302 is dated within the last 18 months
  • the last two 100% submitted Tax Calculations from HMRC along with the Tax Overviews provided the last Tax Calculation is dated within the last 18 months.
Sole trader, director, self-employed contractor? It doesn’t matter to us

Whether you’re a director of a large firm, a sole trader or a self-employed contractor, it really doesn’t matter, what matters is if you can afford the loan. We also appreciate the different quirks that come with different job titles and types of self-employment.

If you’re a sole trader with expenses that crossover from personal to your work life, then we’ll take those into account too. We look at the whole picture and put people before the numbers.

Overall cost for comparison

For example: A loan of £120,000 payable over 15 years on our variable rate for the loan term of 15 years at our current rate of 6.37% (variable) would require 180 monthly payments of £1,088.61 plus a redemption administration fee of £150.00.

The total amount payable would be £196,099.91 made up of the loan amount plus interest on the loan (£66,618.97), processing fee (£3,000.00) and arrangement fee (£3,000.00) plus interest on these fees (£3,330.95) and the redemption administration fee (£150.00).

The overall cost for comparison is 7.4% APRC representative. 

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

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

phone icon