FAQs
Frequently Asked Questions
You do not have to be a homeowner, we offer loans to tenants too. We also offer loans to people who are living with their parents.
We won't charge you a fee to consider your application and we'll give you a conditional decision in minutes.
No, we’re a direct loan lender. We work with a number of introducing brokers who are paid a commission or a fee by Investment & Loans Limited to cover their costs. You can find details of any commission paid in the loan agreement.
We'll need a couple of minutes on the phone first to arrange an appointment. Your meeting at the branch should take no more than 45 minutes. In most cases, we'll be able to confirm details of the loan we can give to you there and then.
Yes, our lending decisions are based on many things.
The most important being a secure income and the ability to afford the loan repayments in a sustainable manner.
What marks us out as different from other lenders is that we will consider all
circumstances when deciding whether or not to lend. Some of our most trusted customers have previously
defaulted on previous credit agreements and have been refused credit by several other lenders. We will
actually take the time to consider your circumstances and
whether we can work out a suitable loan with manageable repayment options.
No, unlike many lenders our interest rates are fixed, not variable. Your monthly contractual repayment will not increase over the term of the loan.