Check your eligibility
What you need to apply
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING, YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.
Age
It's a legal thing, you must over the age of 18 to apply for a loan.
HOMEOWNERSHIP STATUS
You must own your own home (or be in the process of buying it).
PROPERTY EQUITY
You'll need to have sufficient equity in your home. This is the portion of your property's value you own outright (value minus outstanding mortgages).
INCOME & AFFORDABILITY
You must have a stable and verifiable income. Lenders will conduct a detailed assessment of your income versus outgoings to ensure the loan is affordable and sustainable for you. This initial check is not an offer of a loan.
BE A UK RESIDENT
You must be a permanent UK resident (some lenders require a minimum residency period e.g. 3 years).
CREDIT HISTORY
Lenders will need to review your credit report, while a perfect score isn't always essential, a good history can lead to better rates. We work with lenders who consider various credit profiles.
PROPERTY TYPE
Standard residential properties are generally accepted. Certain non-standard constructions or unique properties may have limited lending options.
LOAN PURPOSE
The loan must be for a suitable and responsible purpose. Common uses include debt consolidation or home improvements. We will discuss your specific purpose during your consultation call.
Disclaimer
The information on this page provides general guidance only and does not constitute financial advice. Your eligibility will be confirmed after a full assessment of your individual circumstances. Meeting these criteria does not guarantee a loan offer. All lending is subject to a full affordability assessment and the lender's specific criteria.
PERSONAL LOANS
Loans from £1,000 up to £20,000
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