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  Frequently Asked Questions


 How much can we borrow?
  Your borrowing capacity differs from lender to lender. To get an indication of how much you can borrow, unique to your circumstances. Simply tell us how much you're looking for, and we'll try to find the right loan for you.

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 Can the loan be used for any purpose?
  Yes. There are no restrictions - you can use the money for whatever you want, like a car, a holiday or home improvements. Or to pay off all your existing commitments with one simple, affordable arrangement.

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 How confidential is my application?
  All applications are treated in the strictest confidence. Your bank, employer and so on will not be contacted without your permission.

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 What if I need to borrow more money?
  Simply contact us again and we will endeavour to provide you with a higher-value loan.

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 What happens after I receive my cheque?
  We have an experienced customer care team who will provide helpful assistance if you experience any problems. We've been looking after people for more than 35 years!

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 What happens if I sell my house?
  In certain cases the loan can be transferred to your new property. Otherwise your loan can be settled from the proceeds of your sale.

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 What happens if I complete the application form and then change my mind?
  Nothing! Naturally, you're under no obligation to proceed. We'll send you a printed copy of your application for you to sign and return to us. Your application enables us to give you an accurate quotation in writing - then it's up to you whether or not you proceed.

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 What happens if I am taken ill or made redundant and have difficulty in making the repayments?
  A comprehensive life, sickness, accident, and redundancy cover is available to cover you against that eventuality. Since, under law, your home is at risk if you do not keep up the repayments on a mortgage or loan secured on it, we thoroughly recommend you take out this cover. For just a little extra, you can enjoy complete peace of mind.

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 What happens if I choose to repay my loan early?
  We'll discount the interest due to allow for the shorter period you're taking to repay.

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 How do I repay my loan?
  Loans are usually repaid by direct debit through the bank/building society. If you prefer, you can make arrangement to pay otherwise and record your payments in a payment book. Simply choose the method that's most convenient for you.

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 Who else will know about my loan?
  No-one. Every aspect of your inquiry will be treated with total confidence - there will be no contact with your bank or employer, if you have one.

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 What if I have problems or questions?
  If you are confused, concerned, or worried about any aspect of your application don't hesitate to contact us - we are here 7 days a week to give you all the help you need.

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