Use the tabs below to discover which lenders are more likely to accept your application based on your credit profile. If you are unsure of your credit profile, why not use the credit profile tool above.
Customers with a Good profile would normally have the following characteristics:
Never missed or been late with a payment for credit or utilities. Been in the same job or at the same address for a reasonable amount of time. Is registered the electoral role. Already have other credit product such as credit cards or a personal loan. Has had the same bank account for a reasonable amount of time. Doesn't carry a high amount of debt.
Customers with a Fair profile would normally have the following characteristics:
May have missed or been late with an occasional payment for credit or utilities. Has changed jobs or moved house a few times in recent years. Is not registered on the electoral role. Frequently applies for credit. Carries a fairly high level of debt. May already have a default or old CCJ for a small amount.
Customers with a Poor profile would normally have the following characteristics:
Has regularly missed or been late with a payment for credit or utilities. May have changed job or address regularly. Is not registered on the electoral role. Carries a high level of debt. Might have a default or old CCJ for a small amount. Has recently applied for credit and been declined.
Our arrangement fee explaned
As with many financial services there are costs involved in the setting up of the product.
By charging an arrangement fee we can offer;
no hidden costs during the lifetime of your loan more competitive rates
Part of the arrangement fee covers our costs, which include;
property valuations surveys legal costs administration and overheads land registration costs credit searches
What is our fee and how is it calculated?
Our arrangement fee is £995, we will add it to your loan and you will be charged interest on it.
Product Details >Typical % APR >Monthly Repayment >Interest Rate Apply
Table data based upon borrowing £10,000 / 5 years
* Applicants seeking a homeowner loan are more likely to be accepted although typical APR's may vary.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. LOANS ARE SECURED ON YOUR HOME.
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