Hot Topics

What is a Holiday Loan?
A holiday loan is a loan designed to give you the means to pay for a holiday. This is commonly used for ‘holidays of a lifetime' like honeymoons, anniversaries and holidays to exotic locations.
What is a Tenant Loan?
If you do not own your own property, you will not be able borrow money secured on your home. This means that any loan you take out will be a tenant loan – or an unsecured loan.
Do I have to pay any upfront fees?
You will not normally have to pay any upfront fees, this is because all the admin charges and other legal fees are incorporated into the APR. Any charges are therefore spread over the term of the loan, and not charged on an upfront basis.
Will a debt consolidation loan solve all my problems?
A debt consolidation loan will solve your problems if you can meet the repayments. However you need to analyse how the money troubles began – and fix the root cause.
How much can I reduce my monthly payments by with a debt consolidation loan?
It really depends on how much you owe. In some circumstances you may be able to reduce your total monthly repayments by as much as 75% - simply by consolidating your debts into one single payment.

I’m self-employed, am I still eligible?

Self-employed loans used to be difficult to find and expensive. But today, now that more and more people are working for themselves, self-employed loans are widely available and, as interest rates have fallen to their lowest in years, more affordable.

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So whether you're a contractor or you run your own business, whether you have certified accounts or no proof of income, you can still obtain credit with a secured or unsecured self-employed loan.

A wide variety of lenders offer self-employed loans – and they can be tailored to suit your individual financial circumstances. For example, if you have an adverse credit history or bad credit rating, such as mortgage arrears, credit card problems or payment defaults, there are still companies that will offer you a self-employed loan.

If you can't prove how much you earn, you will be able to self-certify your income using a professional organisation. If you have at least 2 years’ certified accounts, you will be able to take on a loan that offers similar rates and benefits to those you would enjoy if you were employed.

 

Risk Warning
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. Security by way of a charge on your home may be required.
Think carefully before securing other debts to your home.