Frequently Asked Questions:

Q. Can you apply for our products?
Q. What do we need from you?
Q. How quickly can you get your money?
Q. What if you have CCJ'S, etc?
Q. What if you are self employed or have no proof of income?

Q. Can you apply for our products?

A. HOMEOWNER LOANS

• You must be between the ages of 18 - 80 years of age
• You must be a homeowner
• You must be a UK resident
• You must be in full time employment / self employed

We will consider applicants with CCJ's, Arrears,Poor Credit History, or No Proof of Income.

B. TENANT LOANS

• You must be between the ages of 18 - 65 years of age
• All applicants must have a bank account that allows Direct Debits
• Employed applicants MUST have payslips, Self employed applicants must have accounts

We will consider applicants with CCJ's,Arrears, or Poor Credit History.

C. MORTGAGES

• You must be between the ages of 18 - 75 years of age
• You must be in full time employment / self employed

Q. What do we need from you?

A. YOU

Please ensure that we have your correct legal names. If you are known as Tony but named Anthony on your birth certificate then we must be informed of the name on the certificate. Any middle names you have must be included regardless of how little you like them or how embarrassing you think they are.

B. YOUR MORTGAGE

Please ensure all mortgage arrears, if any, have been clearly stated including the highest amount the arrears have been within the last 12 months.

C. YOUR PROPERTY

In view of the current housing market please ensure that the current value of the property stated is realistic. we will probably have no idea of property prices in your area and therefore rely on you, the customer, to supply us with a realistic figure.Your figure should be based on the selling price of similar properties in your area.

D. YOUR LOAN

If you decide to change your mind in respect to the terms of the loan after you have applied, this could cause a slight delay in completing the loan. Therefore please ensure that:

• The loan amount is enough to cover your needs or is the maximum offer available.
• The loan is over the required period of time.
• You have the means to meet your monthly re-payments.

Q. How quickly can you get your money?

A. Dependent on your circumstances we aim to turnaround applications as quickly as 10 days, with unsecured personal loans it can be as quick as 24hrs!

In order for us to process your application as quickly as possible please ensure you read all documentation sent to you carefully and ensure that once you are happy you sign in ALL places indicated.

If you have any questions or queries you can contact us immediately so that we can help you every step of the way, or your lender directly on the number provided on your offer letter.

Q. What if you have CCJ's, etc?

A. CCJ's.. POOR CREDIT HISTORY..MORTGAGE ARREARS.. If you have an adverse credit history, with mortgage arrears,County Court Judgements, etc, DO NOT WORRY, we may still be able to help as we have specialist lenders that deal sympathetically with these types of applications.

All applications are handled quickly and easily, with access to all major UK secured loan and mortgage lenders, we will find the best deal to suit your particular circumstances.

Q. What if you are self employed or have no proof of income?

A. I AM SELF EMPLOYED...I HAVE NO PROOF OF INCOME If you are self employed or have no proof of income, -no problem!!! we have access to all major UK secured loan and mortgage lenders, who offer self certification products to suit your particular circumstance.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. ALL LOANS SUBJECT TO STATUS AND SECURED ON PROPERTY.

THE ACTUAL RATE WILL DEPEND ON YOUR CIRCUMSTANCE. PLEASE ASK FOR A PERSONALISED ILLUSTRATION.

Call 0800 195 3757 or Apply On line >>> 24hrs 7days a week for instant decision