Frequently Asked Questions

How much can I borrow?
We can arrange loans for any amount from £500 to £250,000. However, there are a few factors to take into consideration such as available monthly income and your property's equity. The most important considerations are that you can afford the monthly repayments and that you are a homeowner. Simply put on the application form how much you would like to borrow and we shall endeavour to meet your requirements.

Over what period of time can I spread my loan repayments?
This is of course up to you, and depends on how much you can afford each month. Our loans are usually available over 5 - 30 years. The loan calculator should help you.

What can I use the loan for?
Anything you want there are no restrictions. Maybe you need to reduce your monthly outgoings by paying off all your debts, leaving you with one lower and more manageable monthly repayment. Or perhaps you would like to buy a new car, boat or caravan. What about new windows, a conservatory or maybe an extension? It really is up to you.

What happens if I'm ill and can't work or I'm made redundant?
We offer and recommend, optional accident, sickness and redundancy cover to give you complete peace of mind. Life assurance is also available and some plans offer this free. See our insurance page.

Is my application confidential?
Yes completely. All applications are treated in the strictest confidence.

What happens if I want to borrow more?
All you have to do is apply online and we will process your application. As we already have your details this is a simple matter and we will send you a cheque if successful.

Can I repay the loan before the end of the contract?
You can make lump sum repayments or settle the loan completely whenever you like.