Bad credit loans and loans for the self employed

We have access to some great loan rates for those who are self employed and require a loan based upon none or little income proof of income.

Often the self employed and contractors have found it difficult to obtain a loan since self certification loans and mortgages became a thing of the past. Now, there are lenders who are seeing things differently and who are more relaxed regarding their lending criteria.

The same applies to those who have been through a rough patch and are knocked up a few CCJs over the past couple of years. Lenders realise that some people have had it hard and don't want to miss out on lending to those people who have got back on their feet in recent times. This situation applies to a lot of people and lenders are starting to realise this. If they wish to increase their lending then they are going to have to accommodate this market place.

If you have experienced either of the above and require a home loan then please get in touch.

David Allan, lendingExert.co.uk

Wait...secured home loans from 5.7% APR!

For those of you who have got through the recession with your credit file in good working order there are some great deals to be had. Nemo Loans have a 5.7% APR deal - the lowest on the secured loans market.

If you have a cheap SVR mortgage and re-mortgaging would be a stupid thing to do then taking our a second loan against your property would be ideal.

2013 saw Shawbrook bank bring in second loans for landlords and buy to let investors. Landlords can borrow using a secured loan product for the 1st time. While this is still very niche it is becoming a popular option. LTV's are around 65% loan to value maximum and there are other restrictions to consider too.

All in all - things are heating up with more and more products coming to the market.