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 if my loan application is not accepted?
Sometimes a lender may not wish to give you a loan. This may be for a number of reasons, however the lender is not obliged to tell you exactly why the loan been refused.
Should I get Personal Loan Payment Protection Insurance?
When you apply for a loan, you will be asked at the initial stages if you want personal loan insurance to be included in the agreement
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.
Can I have a fixed rate loan?
It is entirely up to you if you want a fixed rate or a variable rate loan – however there are some limits to this.

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.

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If you have to exchange on the house you are buying before you sell your own home, you may need to borrow money in order to pay money for the house you are buying that you don't actually have. You will in effect be paying two mortgages at once, so getting a loan to cover this period will be easy, as the loan companies understand this common predicament.

The bridging loan allows you to borrow over a short term which you can pay back as soon as you have sold your home. Because of the short-term nature of the loan however you should expect to pay more interest and higher fees than with a long-term loan.

You can also use a bridging loan to purchase properties at auction, fund short-term commercial or residential renovations, and to safeguard a property purchase if the mortgage is delayed.


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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.