Self Employed Secured Loans
Loans and Mortgages for Self Employed
Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.
- Whole-of-Market Access: Over 10,000 specialist lending products
- Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
- FCA-Authorised Guidance: 35+ years independent UK credit brokerage
Loans and Mortgages for Self Employed
One in six of UK workers are now self employed.
That’s over 5 million self employed people who probably don’t realise how many options they have to raise money personally or for their business.
If you are not one of them, someone you know is bound to be.
Back in the days of the credit crunch, the self employed were hit really hard. They had got used to self certification mortgages and if all their income wasn’t declared it didn’t really matter.
For personal mortgages self certification has gone and proving affordability is vital
However many non high street lenders today understand self employed borrowers better and can accommodate sole traders, zero hours contracts, how agency workers are paid and limited company owners.
For business finance, there are still lenders offering even greater flexibility for sole traders and limited companies.
For example we have a lender which covers the Midlands offering unsecured loans to businesses and sole traders up to £100,000 – even if the accounts are not up to date and even if there are a few credit problems or arrears.
They will even lend to new start businesses based on projections if the overall deal makes sense.
The team at Promise have spent the last 10 years helping self employed borrowers access the lesser known lenders and products including:
Key Criteria & Application Guidance
• Residential mortgages
• BTL, HMO and multi unit mortgages
• Unsecured business loans
• Short term bridging loans
If you are self employed, talk to Promise about the options available to you personally or your business
We have all the experts you are likely to need – all under one roof
Latest Articles
Whole-of-Market Guidance for Self Employed Secured Borrowing
Securing competitive terms on self employed secured borrowing requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.
Consequently, reviewing your self employed secured borrowing options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.
Specialist Underwriting & Whole-of-Market Access
Because specialist lending facilities require bespoke underwriting, comparing lenders across the UK is essential. Explore our complete guide to Secured Loans Desk to understand how different lending criteria apply to your requirements.
Promise Money is an independent credit broker authorised and regulated by the Financial Conduct Authority (FRN 681423). Our experienced team reviews your specific circumstances to secure optimal terms across 90+ UK lenders.
Key Takeaways: Self Employed Secured Borrowing Checklist
Additionally, property valuations can often be expedited using automated models, significantly reducing upfront costs and surveyor delays.
Furthermore, specialist secured loan lenders assess affordability using total household income and realistic expenditure assessments.
Consequently, homeowners can secure substantial borrowing amounts even with historic credit blips or non-standard employment income.
Therefore, working with Promise Money ensures you compare optimal rates and terms across 90+ UK specialist lenders.
Specifically, flexible repayment options—including fixed, variable, and interest-only structures—can be tailored to your monthly budget.
Moreover, your existing low-rate primary mortgage remains 100% untouched, avoiding early repayment charges.
In addition, loan proceeds can be used for home improvements, debt consolidation, tax bills, or major personal investments.
Crucially, borrowers facing adverse credit, defaults, or past CCJs can secure competitive homeowner loan terms through our panel.
In practice, our dedicated loan advisers manage the entire application from initial quote through to fund release.
Above all, borrowing against your home equity typically offers lower monthly repayments than short-term unsecured credit.
As a result, homeowners retain complete financial control and enjoy clearer, more manageable single monthly commitments.
After all, independent whole-of-market advice ensures you never pay unnecessary broker fees or inflated interest rates.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.