How much can
I borrow?
 |
| There are several factors to take into consideration such
as available monthly income and property equity. The most
important considerations are that you can afford the monthly
repayments and that you are a homeowner/mortgage payer. We
can arrange loans for any amount, from £3,000 to £1 million. |
Return to top |
| |
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 3 to 25 years. The repayment guide should help
you. |
Return to top |
| |
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 payment. Or perhaps you'd like to buy a new car, boat
or caravan. How about a luxury cruise or exotic holiday? What
about new windows, or a conservatory, maybe an extension?
It really is up to you, as long as it is legal. |
Return to top |
| |
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. |
Return to top |
| |
Is my application
confidential?
|
| Yes, completely. All applications are treated
in the strictest confidence. We do not contact your employer
or bank unless absolutely necessary, and even then only with
your prior written consent. |
Return to top |
| |
Can I pay off
lump sums and/or settle the loan early?
|
| Absolutely! And there are no time restrictions.
Call us for the advice on the most economical way of settling
your loan, we'd be happy to help. |
Return to top |
| |
What happens
if I want to move house?
|
| No problem! Simply pay the outstanding balance
of your loan form the proceeds of the sale. Alternatively,
we may be able to transfer the loan to your new property.
Again, we're happy to provide you with free advice on the
most economical route to take. |
Return to top |
| |
Can I borrow
more in the future?
|
| Yes! Do it the easy way! Simply apply online
and we will immediately process your application. We already
have your details, so this is a straightforward process and
we'll send you a cheque assuming your application is successful. |
Return to top |
| |
What do I
do now?
|
| Complete the online application. Our state-of-the-art
computer system allows us to process your application in the
fastest time possible, which means we can give you a fast
decision, in principle |
Return to top |
