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Dear customer, during this time of uncertainty, TFS Loans will not be taking new loan applications and have temporarily suspended all new lending. Any applications made on our website will not be processed and your information will be deleted. We thank you for your understanding during this difficult time.

FAQs for Borrowers

Does my Guarantor need to live in the property they own?

No. Whilst it is a requirement that your guarantor have be a UK homeowner, they do not have to live in the property. As part of our guarantor criteria, we only accept guarantors who are UK homeowners, between the ages of 18-75, 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.

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

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