Hot Topics

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 much can I borrow?
How much you can borrow is dependent on a number of categories: your income, your assets and your credit history to name but a few.
Can I cancel my loan application if I decide not to go ahead for any reason?
If you decide you want to cancel your loan application once you have made it, you can do so within a certain period of time set by the loan company.
What happens if I want to borrow more?
To borrow more you have the option of either taking out a new loan independent of your other loan(s), or arranging with your loan provider to add onto your existing loan.
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.

What is not covered by personal loan protection insurance?

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

Apply now

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.