Flexible Repayments
Certain plans allow you to make additional repayments over and above your agreed minimum monthly repayment. This can be either as a regularly monthly amount or periodically, as and when your budget allows. This can be a huge benefit as it will reduce the total interest paid and therefore the length of time it takes to clear your loan.

Secured Loans
Loans are available from £3000 to £100,000 and are secured by way of a charge over your property. This may be as a result of the size of the loan or the length of time you wish to repay the advance back. You may have had some credit problems in the past or your employment status may mean an unsecured loan is simply not practical. The loan can be repaid over any period from 3 years to 25 years.

Mortgages
Please ask us about our specialist mortgage products. Plans are available for clients (subject to status and security) with light to heavy adverse credit problems such as CCJ's, Defaults, mortgage arrears etc. Plans are also available for self-employed without accounts.

Unsecured Loans
Loans are available from £3000 to £15,000 with repayment terms from 1 year to 10 years. This type of loan is subject to a credit score and may therefore be difficult to obtain if you have had credit problems in the past.

Fixed Rates
Fixed rates are available on many secured loan plans. This means the interest rate and therefore your repayment will remain the same for the duration of the fixed rate period and will remove and concerns over interest rate fluctuations.

Self Employed
Plans are available from most lenders for self-employed clients - many of which are exactly the same as those on offer to employed customers. There are also "self certification" plans available where you cannot meet the normal income requirements in terms of accounting information, etc.

No equity
We may still be able to assist if you have little or no equity available in your property. Some lenders allow you to borrow up to 25% over the value of your house and this can also apply to customers where their mortgage is more than the value of their property.

Repayments starting after 3 months
Some of our loan plans allow you to postpone having to start repaying your loan for up to 3 months. This can be particularly helpful at certain times of the year. e.g. Holidays or Christmas.

Payment protection cover
If you are concerned about meeting your repayments should your circumstances change, all of our plans offer the option of payment protection cover. This may cover circumstances such as redundancy, sickness, accident or death. Some of our plans even offer free life cover if the option of payment protection is chosen.