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 I already have a mortgage or loan secured on my home?
It is possible (indeed common) to have more than one mortgage or loan on your property, as long as there is sufficient free equity in the property to secure the loan.
What is credit scoring?
Most of the major credit card companies use their own credit scoring systems – normally but not always in conjunction with a credit rating from a credit reference agency.
Why would my Loan application be turned down?
If a lender decides that you are a bad risk for a loan, they will reject your application.
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

Will the loan company contact my employer?

Firstly, a loan company will never contact your employer without your consent.

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If they require you to provide official confirmation of your income, you will normally have to provide three pay slips and/or a P60. If you cannot produce any of these items, because for example you have only just started with the employer, the loan company may ask your permission to obtain a brief reference from them. This will purely be to ask them to confirm your position, length in employment and your annual salary. They will do this in writing so the process will normally take a few days, and will hold up your application process. They will not supply them with any details of your loan application, so your application will remain confidential.

If you are applying for your loan through your bank, you may not have to give any proof of income as they will have details of your monthly/weekly salary on your bank records.


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.