Excellent Customer Service you would expect from from a Direct Lender

What do you really want? What suits you best? Can you trust us?

As a Direct Lender we cut out all the administrative hassle because we are dealing directly with you!

  • Our service is regulated by the Financial Conduct Authority so you will always be treated fairly
  • Experienced friendly advisers
  • No hidden costs or exorbitant charges
  • No broker fee means more money in your pocket.
  • Personalised underwriting appropriate to your needs and circumstances

Transparency in all dealings

Full and early disclosure with explanation of:

  • interest rates
  • terms and conditions
  • fees and charges which may be payable
  • potential consequences of missing payments or under-paying
  • the early settlement process and any costs, including your right to repay part of the capital at any time

No high-pressure selling

Time will be allowed for you to:

  • understand the terms and conditions of the proposed credit agreement
  • reflect on the seriousness of the risk of taking out a loan secured on your home
  • obtain independent advice

Responsible lending

All underwriting decisions will be subject to a proper assessment of the borrower’s ability to repay without resort to the security. Can you afford the repayments? Is the loan term suitable for you?

Actions taken in respect of arrears or default will be considered sympathetically and will be proportionate – repossession will only be used as a last resort

If borrowers are experiencing difficulties, we will seek to agree affordable repayment schedules

Borrowers who are experiencing difficulties will be directed to independent providers of free debt advice, such as Citizens AdviceNational Debtline or the StepChange Debt Charity