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Self Employment Loans

What is a Self Employed Loan?

If you work for yourself as a free lancer, sole trader or are the owner of a business rather than an employee, you are normally classed as self employed.

Getting a loan when you are self employed can be a little bit more challenging.

You will need to prove your income, and with no accounts this can be difficult.

At Inspired, we have various self employed loan solutions for homeowners and are very experienced in arranging secured loans, mortgage and re-mortgages for the self employed.

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To apply for a self employed loan, you’ll need:

  • to tell us your residential address(es) for the last three years
  • your date of birth. You must be over 18 years old
  • your employment details and some financial information

Things you should consider

Taking out a secured loan, mortgage or re-mortgage should not be taken lightly as you’re putting your home and other assets at risk if you fail to keep up the repayments.

If you want to pay of your loan or mortgage early, some lenders may charge you an early repayment fee. However, when looking at the various options available our experienced advisors will look into loans that suit your personal needs.

Secured loans and mortgages are typically repaid over a longer period ( 5 – 25 years) and while smaller repayments over a longer period may seem attractive, the longer the interest period, the more interest you will pay overall.

Our advisors will work hard to find you the best loan to suit your personal circumstances. They will also be transparent about any fees that apply to your secured loan and what they mean to you, and your future plans.