Hot Topics

In what circumstances should I consider taking out a personal loan?: You can get a personal loan for any reason you want.
What is a Home improvement Loan?: Many people choose to take out home improvement loans so they can give their house a new look before selling.
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.
How long can I take the loan over?: How long you take the loan over depends on how much you need and how much you can afford to repay on a monthly 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 not covered by personal loan protection insurance?

There are a number of situations that are normally exempt from personal loan protection.

Always check out exemptions on insurance policies within the terms and conditions of the specific policy before signing up, or when making a claim.

These exemptions are:

For unemployment cover:

• Your unemployment starts within 30 days* of you taking out the loan

• Voluntary unemployment

For accident and sickness cover:

• A disability or illness that you knew about in the 12 months* before your loan commenced

• A disability caused by the normal symptoms of pregnancy

• Self-inflicted injuries

For life cover:

If your death results from suicide within 12 months* of the start date of your loan

*All figures are industry averages and may vary from policy to policy.

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.