HOW MUCH CAN I BORROW AND FOR HOW LONG?
You can borrow any amount from £3,000 to £100,000, depending on how much you can afford to repay each month. The loan can be over any time period from three to twenty-five 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 25% more than the property value, less your existing mortgage balance.

ARE THERE ANY RESTRICTIONS FOR 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. 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 calculators).

WHAT INTEREST RATE WILL I BE CHARGED?
It is difficult to say what interest rate your loan will attract, as all loans are assessed on personal circumstances. However our typical APR is 9.5% with our headline rate being 7.7% (APR).

WILL IT COST ME ANYTHING TO APPLY FOR A LOAN?
No, it costs absolutely nothing to apply for a loan through us.

WILL MY APPLICATION BE TREATED IN CONFIDENCE?
Absolutely. We treat every application in the strictest confidence. We pride ourselves in our confidentiality. We are members of the Finance Industry Standards Association (FISA) and also registered under the Data Protection Act (DPA). We adhere strictly 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 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 application.

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 a 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 do for you.

I’M WORRIED ABOUT BECOMING ILL OR BEING MADE REDUNDANT?
No need to. In the majority of cases, our customers take advantage of a Payment Protection plan, which we can offer you too. These valuable policies usually cover you should sickness, accident or redundancy mean you're not able to continue repayments.

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.

NEED ADVICE? WE’RE JUST AT THE END OF THE PHONE.
If you ever want to discuss anything about managing your money, just pick up the phone. We know some people find it difficult to talk about money matters, but rest assured we've dealt with all sorts of reasons for needing extra cash.

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 and you'll benefit from a reduced interest charge.

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 best option.

I AM A STUDENT. CAN I STILL APPLY?
Unfortunately, most student loans are supplied by Government Organisations, and therefore we would be unable to help. There are several specialist organisations that would be able to help you.

I LIVE AT HOME WITH MY PARENTS. DOES THAT PROHIBIT ME FROM APPLYING?
You will not be declined just because you live at home with your parents; however, you would have to be over the minimum age of 18, and be employed. You would have to apply as a tenant.

HOW LONG WILL THE LOAN TAKE TO ARRANGE?
As long as we have all the information at our fingertips, we can generally let you have a decision in principle immediately. You could then receive your cheque within 14 days.