What is Debt Consolidation?
Debt Consolidation Loans Explained
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FAQs

Frequestly Asked Questions
How much can I borrow?
There are several factors to take into consideration such as available monthly income and property equity. The most important considerations are that you can afford the monthly repayments and that you are a homeowner/mortgage payer. We can arrange loans for any amount, from £3,000 to £1 million.

Over what period of time can I spread my loan repayments?
This is of course up to you, and depends on how much you can afford each month. Our loans are usually available over 3 to 25 years. The repayment guide should help you.

What can I use the loan for?
Anything you want, there are no restrictions. Maybe you need to reduce your monthly outgoings by paying off all your debts, leaving you with one lower and more manageable monthly payment. Or perhaps you’d like to buy a new car, boat or caravan. How about a luxury cruise or exotic holiday? What about new windows, or a conservatory, maybe an extension? It really is up to you, as long as it is legal.

What happens if I’m ill and can’t work or I’m made redundant?
We offer, and recommend, optional accident, sickness and redundancy cover to give you complete peace of mind. Life assurance is also available, and some plans offer this free.

Is my application confidential??
Yes, completely. All applications are treated in the strictest confidence. We do not contact your employer or bank unless absolutely necessary, and even then only with your prior written consent.

Can I pay off lump sums and/or settle the loan early??
Absolutely! And there are no time restrictions. Call us for the advice on the most economical way of settling your loan, we’d be happy to help.

What happens if I want to move house??
No problem! Simply pay the outstanding balance of your loan from the proceeds of the sale. Alternatively, we may be able to transfer the loan to your new property. Again, we’re happy to provide you with free advice on the most economical route to take.

Can I borrow more in the future??
Yes! Do it the easy way! Simply call us free on 0800 0433 444 or apply online, and we will immediately process your application. We already have your details, so this is a straightforward process and we’ll send you a cheque assuming your application is successful.

What do I do now??
Either complete the online application, or apply by telephone – free on 0800 146384. Our state-of-the-art computer system allows us to process your application in the fastest time possible, which means we can give you a fast decision, in principle.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

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