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If you currently have a loan with us and have been affected financially by the COVID-19 pandemic, please click here for ways in which we may be able to work with you during these difficult times.

FAQs for Applicants

If my Guarantor is a homeowner, do they need to live in the property they own?

Guarantor is a Homeowner (Click to Expand)

No. Whilst it is a requirement that your guarantor has to be a UK homeowner, they do not have to live in the property. As part of our homeowner guarantor criteria, we only accept guarantors who are UK homeowners, between the ages of 21-76, have good credit and an income too. However, you guarantor does not have to own the home outright – it can be mortgaged.

Your guarantor must meet our criteria, in order for them to qualify in supporting your application. For all information on who can be a guarantor, follow the link to our Guarantor Hub.

Guarantor is a Tenant (Click to Expand)

This question is not applicable to our Tenant Guarantor loans

Loans are subject to status and affordability. Consolidating debts may increase the term and the total amount payable.

Before entering into any credit agreement please make sure you can afford the monthly repayments, we recommend that you seek independent advice if you are unsure of any of the terms of our agreement. There may be other taxes or costs, not paid through us or charged by us, that you have to pay in connection with the agreement.

Late repayments can cause you serious money problems. For help go to www.moneyadviceservice.org.uk

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