How much can I borrow and for how long?
You can borrow any amount from £5,000 to £100,000, depending on how much you can afford to repay each month. The loan can be over any time period from 5 to 25 years.

I have little or no equity in my property. Can I still apply for a loan?
Yes you can. We have plans available where you can borrow up to 125% of your property value, less your existing mortgage balance.

Are there any restrictions on what the loan can be used for?
No, you can use the money from your loan for virtually any purpose. The choice is yours. The majority of our customers clear some or all of their existing credit so as to reduce their monthly outgoings to just one, more manageable monthly payment. (See section on Debt Consolidation). Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. Quite often they also raise additional cash, to buy a new car or carry out some home improvements, and, remember, with cash in hand, you can often negotiate attractive deals when buying.

How much will my loan cost?
That depends on how much you wish to borrow, and the time period that you choose to repay it over. For an indication of repayment costs see the loan repayment tables.

What interest rate will I be charged for my loan?
It is difficult to say what interest rate your loan will attract, as all loans are assessed on personal circumstances.

Will my enquiry be treated in confidence?
Absolutely. We treat every enquiry in the strictest confidence. We pride ourselves in our confidentiality. We are registered under the Data Protection Act (DPA). We adhere to the confidentiality guidelines set out by FISA, as well as the letter of the law from the Data Protection Register.

Will you contact my employer?
No. We would never contact them without your consent. If you have any pay slips and/or a P60, this will certainly not be necessary. If you cannot produce pay slips, we may ask your permission to obtain a brief reference from your employer, purely asking them to confirm your position, length in employment and your annual salary. We will not supply them with any details of your loan enquiry.

I've had financial problems in the past. Can you still help?
Our financial expertise means we can even help if you've had problems keeping up payments in the past. We can arrange loans even if you have poor credit rating, have arrears or a county court judgement (CCJ) against you. In certain cases, but not always, an alternative interest rate may be offered. But it costs nothing to find out what we can offer you.

I'm worried about missing payments due to becoming ill or redundant?
Insurance protection may be available on some plans to offer peace of mind to borrowers. Subject to status - ask for details.

Can I borrow again in the future?
Of course. As long as you've maintained your regular payments, you could borrow more – even if you haven't completed your original loan. Just give us a call and we'll gladly provide a quotation for a further advance.

Can I finish the loan early?
No problem. If you can afford to repay the loan before the anticipated completion date, it's to your advantage. The lender will calculate the outstanding balance in line with the requirements of the Consumer Credit Act 1974. Or where it falls outside the Act, this could be subject to an early repayment charge by the lender.

I'm self-employed. Am I still eligible?
Most certainly. Generally, we'd like to see two years' accounts, but even without trading accounts we can often arrange loans.

What if I move house?
Loans which are secured on the property are simply paid off from the proceeds of the sale. But sometimes we can transfer the loan to your new property. Just let us know if you're about to move and we'll advise you on your options.

I have not been with my current employer very long. Am I still eligible?
You are, generally we like to see 3 consecutive pay slips, but even without these we can often arrange loans.

I have not owned my property very long. Am I still eligible?
No problem, we are able to help with a private rent reference or even without we can often arrange loans.