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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

How old do I need to be to apply for a Guarantor loan?

Guarantor is a Homeowner (Click to Expand)

You must be at least 21 years old when you apply for a Guarantor Loan. There is also an age limit – you cannot be older than 76 years old when the loan completes, so if you are applying for a 5-year loan (60 months), the maximum age you can be when you apply is 71 years old. If you were applying for a 2-year loan the maximum age you can be is 74 years old etc.

Your Guarantor must also be at least 21 years old and they cannot be older than 76 years old when your loan completes. In other words, the same rules apply to both parties.
To find out more about who can be a guarantor, click the link to our Guarantor Hub.

Guarantor is a Tenant (Click to Expand)

You must be at least 21 years old when you apply for a Guarantor Loan. There is also an age limit – you cannot be older than 76 years old when the loan completes, so if you are applying for a 5-year loan (60 months), the maximum age you can be when you apply is 71 years old. If you were applying for a 2-year loan the maximum age you can be is 74 years old etc.

Your Guarantor must also be at least 25 years old and they cannot be older than 76 years old when your loan completes.
To find out more about who can be a guarantor, click the link to our Guarantor Hub.

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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