Hot Topics

What kind of loan should I get?: Which loan you choose depends entirely on what you need it for. There are many different kinds of loans, depending on where you buy them from.
What is a Bridging Loan?: A bridging loan is designed to help you when you are selling your old home and buying a new one, because it is very difficult to get the timing right.
What do you accept as income?: When you apply for a loan you will have to state your regular income.
What happens if I am suddenly injured or taken ill?: To protect your loan repayments in case you are unable to work due to accident or illness, you will have to take out either personal loan or short-term income protection insurance.
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.

What happens if I am suddenly injured or taken ill?

To protect your loan repayments in case you are unable to work due to accident or illness, you will have to take out either personal loan or short-term income protection insurance.

Most insurance companies will meet your payment schedule for you until you're well enough to go back to work, however this agreement will only last for up to 60 months. With accident or sickness you are normally able to make a claim as soon as the policy starts, but in some cases you may have to wait until you’ve had the loan insurance policy for 15 or 30 days. You will normally start receiving money after you have been ill for 30 or 60 days, however, some loan insurance policies will backdate the benefit to the start of your claim.

Make sure that the insurer is aware of any existing medical conditions you may have. Claims as a result of medical problem that you have had, or were treated for in the last year, will normally be exempt from cover in a loan insurance policy. This means that if you’re unable to work because of an existing condition, your claim will be turned down. When applying for the loan you will have to state any medical conditions – check in the terms and conditions to see what their policy is towards your own particular condition.

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.

Car Loans

Holiday Loans

Home Improvement Loan

Career Change Loan

Debt Consolidation Loan

Bridging Loans

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This web site is owned by Andromeda Webs Ltd. Andromeda Webs Ltd, is an Appointed Representative of Web Publishing House Ltd. Web Publishing House Ltd is authorised and regulated by the Financial Services Authority for insurance mediation.