Hot Topics

What is a Career change Loan?: If you are planning a change of career then it is likely you will experience either a big drop in or a total loss of regular earnings – and this is why people choose to take out career change loans.
Can I defer payment?: This depends entirely on the specific agreement you have made with the loan company – and you must read your terms and conditions carefully to see if you are entitled to defer your payments at any point.
I live at home with my parents, can I still apply for a loan?: If you live at home you are still eligible for a tenant loan – this is basically an unsecured loan in which you have no property to provide as security against the debt.
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.
Over what length of time can I spread my repayments with a debt consolidation loan?: You will be able to spread your repayments over whatever term you need to in order to meet your repayments.

What do you accept as income?

When you apply for a loan you will have to state your regular income.

Your main income will normally be your wages, however the following can also contribute to your stated income: regular commission, permanent overtime, incapacity benefit, severe disablement allowance, industrial injuries, disablement benefit, war pension, widows pension, working family tax credit and attendance allowance.

The following benefits cannot be accepted as income: maintenance payments or rents received, child benefit, council tax benefit, guardians allowance, foster carer allowance and income support.

If your income is sufficient to meet the repayment demands, in conjunction with other aspects including your credit history, your application should be accepted. However a high income alone will not be enough to secure a loan with many loan companies if you have a bad credit history.

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.

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