Loan FAQ's - Frequently asked questions about loan

Who are We?

We are one of the country’s leading finance brokers. For more information click here .

I want a competitive interest rate

We have excellent relationships with many of the top lenders in the country. Some are subsidiaries of the clearing banks. Due to this we have been able to negotiate very competitive terms and are sure we will find a rate to suit your needs.

I want to consolidate my credit/reduce my monthly outgoings

We specialise in debt consolidation. We can negotiate with all your credit providers, the best possible settlement figures and pay them all off with one of our loan plans over a period to suit you.

I have a poor credit history, can you help?

We have vast experience in helping people with a range of debt problems - for example, county court judgments, mortgage arrears.

Can I use the loan for any purpose?

Yes, absolutely. We have helped clients with everything from the conventional - debt consolidation, home improvements or a dream holiday - to the less conventional - a new nose, an exotic pet or a Ferrari.

How do I apply?

Raising finance or realising your dreams couldn’t be easier. Simply call a friendly operator on 0870 0800 562 or click here to complete a quick online form. The process is free and you are under no obligation. Remember, we’re here to help.

What will happen after I apply?

We will immediately assess your individual requirements, and match them with the best deal from our panel of lenders. We aim to secure approval in principle within 24 hours of your application. You will be kept informed of progress at all stages. Our professional underwriters will then guide you through the loan process; clearing all the obstacles and delivering the cash you need in the shortest possible time. There are no interviews and no salesmen will call. Remember the application process is free and you are under no obligation.

How quickly can I get my loan?

We aim to secure approval in principle within 24 hours of your application. You will be kept informed of progress at all stages. Professional underwriters will then guide you through the loan process; clearing all the obstacles and delivering the cash you need in the shortest possible time. Our experience and close day-to-day contact with the lender means we can get through the process quicker than most. The sooner you start the process the quicker we can help - so if you’re ready, apply online now, or call a friendly operator on 0870 0800 562.

What will my monthly payment be?

This depends on how much you borrow, and how long you intend to borrow the money for. You should only borrow an amount that you can afford to repay.

What information will you need?

Our lenders require accurate and truthful information to take a decision in principle. Our online application form proves this basic information. Click here to view the application form. Skilled underwriters will guide you through the documentation and more detailed enquiries that will be needed to secure the finance.

How long do I have to repay my mortgage?

We can arrange finance terms from 3 years to 25 years.

Can I insure my payments?

Yes, most customers choose to insure their payments. Payment protection gives peace of mind.

How does payment protection work?

If you lose your job or are off work through accident or sickness or redundancy, your repayments, subject to certain exclusions, are paid directly by the insurer.

Which loan companies do you deal with?

We have dedicated teams working in partnership with some of the best lenders in the country. This instant access means we can choose finance that matches your individual needs and get fast results.

What is your lowest rate loan?

We currently have loans available at our lowest rate in thirty years, at 7.9%. So there has never been a better time to apply. Simply complete the online application or call a friendly operator on 0870 0800 562.

What types of finance are available?

We offer secured loans to homeowners. We will review your individual needs and advise on the best method of securing finance for you. This may be a new mortgage, a re-mortgage or a secured loan. Our aim is to provide you with the best solution on the market.

How much can I borrow?

You can borrow any amount from £1,000 - £500,000 and repay it over any period from 3 years to 25 years.

Can I repay my loan early?

You can pay the loan back at any time. Your loan agreement will show how any early redemption cost is calculated.

Can I have a fixed rate?

Yes, we can offer fixed or variable rates details upon request. We have access to many solutions, whatever your requirement - we are here to help.

Are there any hidden charges?

No, there are no broker fees on the advertised plans, but we also offer plans to suit all circumstances whether you are self employed, have no accounts, or are retired. We can help if you have CCJ's, arrears or a poor credit rating. Occasionally, a service charge of up to 10% may be required. This enabled us to offer plans that may not be available elsewhere.

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