Why us?

Why choose us

• Years of experience
• We have the widest choice of secured loan lenders available through our master broker.
• Dedicated team always on hand ready to serve you
• IF WE CAN'T PLACE YOUR BUSINESS NO ONE CAN!

What happens if I want to repay the whole loan early?
The exact total will be worked out in accordance with the Terms and Conditions of your loan and some early settlement interest will apply. This is detailed on your Credit Agreement and is based on the Consumer Credit Act that applied when you took out the loan. A homeowner loan is designed for long-term finance. If you settle your loan early, and you're a new customer, a sum equivalent to approximately two months interest and an early settlement charge will apply. Existing customers' Terms and Conditions may differ.

Can I transfer my loan if I move house?
If you move home you can nearly always take your secured loan with you and transfer the security to your new home. However, as a responsible broekr, we'll review the overall situation first to ensure your loan continues to fit our underwriting criteria and that you are comfortable with your new monthly commitments. If you are moving to a lower value property you may need to settle some or all of your loan early, using the funds from the sale of your current property. Remember, any change to loan agreement needs the leanders approval underwriting terms and conditions apply.

Can I borrow more later?
You can apply later to top-up your existing loan.

Can I extend the loan term?
In most cases this is possible, you could reduce your monthly repayments and increase your loan term to a maximum of 30 years. Depending on the leander.This could result in a significant increase in your disposable income each month. Please remember that by borrowing over a longer period, your overall interest charges will our interest rates start from as low as 6.7 % apr

Can I increase my monthly repayment amount?
In most cases this is possible, you can increase your monthly repayments and reduce the term of your loan to a minimum of 3 years dependant on the leander.

What if I lose my job or can't work for some reason?
Sometimes the worst happens - people fall ill, have accidents, or are suddenly made redundant when they're least expecting it. And if anything like that happens to you, the last thing you'll want to worry about is meeting your loan repayments. we encourage responsible borrowing. We structure your loan so that it doesn't overstretch your finances.

But what if illness, an accident or involuntary redundancy affected your income?
most leanders will offer you thereoptional Payment Protection Insurance whitchcould take care of your repayments should the unexpected happen. You will be informed of all plans that are available to you at the time. Only then will we make a recommendation to you about how appropriate insurance might be for you. Insurance is available to applicants aged 18 to 65 years.

How do I apply for a loan and do I need to provide any documents?
You can apply online or by calling us free on 0800 081 1821. Your dedicated Account Manager will talk you through the options available to you and make sure we offer the very best solution for you. Your application can be completed over the phone and we'll normally tell you immediately if it's approved in principle. We'll then send your Loan Agreement out to you straight away.You will need to provide some documentation, such as proof of income and evidence of mortgage payments but we'll send you a simple check list so you know exactly what to send.

Will our mortgage lender want to know about our secuerd loan?
Yes, we will need to get permission from your mortgage lender. However, with your authority, we can normally get this on your behalf so that everything is kept as simple and straightforward as possible.