Home Loans
Residential mortgages, remortgage and bridging, including cases the high street declines.
Learn more
Personal Loans
Unsecured borrowing from £5,000 to £250,000, priced to your circumstances.
Overview
A personal loan is the simplest thing we do and the one where clarity matters most. You will see the rate, the total repayable and the monthly payment before you accept, and none of those numbers will change afterward unless you ask us to change the loan.
Eligibility at a glance
- Aged 21 or over at application, and under 75 at the end of the term
- UK resident with at least three years of address history
- Demonstrable income sufficient to service the payment alongside existing commitments
- Adverse credit is assessed on its facts rather than screened out automatically
What you get
The detail that matters.
£5,000 to £250,000
Larger facilities considered where the affordability case supports them.
One to seven years
Choose the term that produces a payment you can live with, not the shortest one you can survive.
Fixed rate for the term
Your payment is the same in month one and month eighty-four.
No early-repayment penalty
Settle early and you pay the interest accrued to that point, nothing more.
Questions
Answers before you ask.
Will applying affect my credit file?
Our initial assessment uses a soft search that is visible only to you. A hard search is recorded only if you proceed to a full application, and we will tell you when that point arrives.
How quickly are funds released?
Typically two working days from signed agreement, subject to identity and affordability verification being complete.
Can I overpay?
Yes, at any time and without charge. Overpayments reduce the balance and the interest that accrues on it.
Also relevant
Ready to talk about personal loans?
Apply online in about ten minutes, or speak to a specialist first.
