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how to apply online

1. Decide what type of loan product you are looking for
2. Select the appropriate application form from online loans and how to apply by clicking the link
3. Preview or print out the application form and prepare your information
4. Complete all relevant boxes which takes at least 15 to 20 minutes
5. Click once only on the 'Agree & Submit' button
6. You will get on screen confirmation that your application has been submitted together with a printable copy of what you have written

information that you must provide

1. You and your partner's actual full names (not nicknames), dates of birth, titles & relationship
2. Your full address or previous addresses to account for the last 3 years
3. Your income(s) as an annual figure before income tax, or as an annual figure nett before tax if self employed
4. Your mortgage details e.g. amount outstanding, monthly repayments, mortgagee's name & your account or roll number
5. Your rent and landlords details and if there are any arrears
6. Your occupation(s) & time employed over 3 years at least
7. If you have any arrears or county court judgements CCJ's then the number and values are needed
8. It is useful if you know whether you are on the Electoral Roll at your current address

how to get answers to your questions

1. Try looking at the FAQ online first
2. or send your brief questions by using our finance questions messaging service

credit scoring

1. Applications received by us online are not credit scored if they are unlikely to succeed
2. Lenders however will credit score most applications that we approve and send to them on your behalf
3. If you do not want credit scoring then tell us when you apply in the 'Optional - Further information or special instructions' box provided at the foot of every online application form

how to find out if your application has been accepted

1. Check your email within 24 hours of applying
2. All fully completed home owner applications will be given an 'In Principle' decision same day if received before 3.00pm GMT
3. Incomplete applications and tenant applications will also be acknowledged by email within 48 hours but without an 'In Principle' decision

what to do if turned down

1. In most cases it is possible to reapply after the reason for which you may have been turned down has been corrected
2. For example Mortgage Arrears or CCJ's may have to be paid off from your own earnings and income first rather than borrowing
3. Most existing loans including credit cards can be restructured to spread the repayments if you speak to your lender. However you must take independent advise first. Credit cards will become unusable if you have difficulties keeping up with repayments
4. Properties with negative equity usually correct themselves with time although it is still possible to borrow subject to status.
5. In the event of undue strain or hardship the 'Citizens Advise Bureaux' may be found helpful & supportive
6. We do not support debt advise that you have to pay for but do urge applicants to seek legal advise at the earliest possible moment if lenders threaten. A small fee may be payable for consultation

other resources

FAQ - frequently asked questions
LOAN PLANNER - for secured loans
SITE MAP - site map and loans directory
TOC - table of contents

browsers

All pages are known to run quickly and reliably with the following popular Java enabled browsers

• AOL browsers 7.0 & above.
• Firefox 0.9.2 only.
• Microsoft Internet Explorer 6.0.00 & above.
• Netscape Navigator 7.0 & above.
• Opera 7.54 only.

Please report any difficulties you may find

errors

There are no known errors on any site pages
Please report any errors when they occur
All HTTPS security systems used for online applications are certificated

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