How it works
YOUR JOURNEY TO A HOMEOWNER LOAN
Step One
Start by submitting an online enquiry or calling us. You'll share basic financial and property details, plus your loan objectives (e.g., debt consolidation or home improvements). Our qualified advisor will then consult with you, providing our Initial Disclosure Document (IDD) outlining services, fees, and remuneration. We'll thoroughly assess your needs, discussing suitable alternatives like further advances or unsecured loans. All information is handled securely, aligning with our Privacy Policy.
Step Two
Based on your needs and affordability, our advisors research suitable homeowner loan products from our panel. We then present a personalised recommendation, explaining its features, terms, and risks. You'll receive a European Standardised Information Sheet (ESIS) summarising the product. All recommendations stem from robust affordability assessments, and you'll have at least a 7-day reflection period to consider our advice and the ESIS.
Step 3
If you proceed, we manage your application. We'll guide you through required documentation (e.g., Income, ID) and liaise with the chosen lender. As the loan is secured, the lender will place a 'second charge' on your property, which means they have a claim on your home if the loan isn't repaid. Once underwriting is complete, the lender issues a formal homeowner loan offer. We'll explain the 'binding offer' details and ensure you understand your right to a reflection period before acceptance.
Final Stage
The final step is loan completion. Once you're satisfied with the offer and legal requirements are finalised, funds are released. Our team supports you through completion and remains available for any ongoing queries about your homeowner loan.
PERSONAL LOANS
Loans from £1,000 up to £20,000
Safe & Secure
Your data is safe with us. We're here to protect you.
Trusted
We process a loan application every 8 seconds.
Flexible
You're in control. Choose your own terms.
