How much you can borrow will depend on a number of factors and your advisor will be able to provide you with an exact quote. Home improvement loans can be arranged from £5,000 – £2,000,000 and be repaid over 3 – 30 years. Secured home improvement loans are for homeowners only and are suitable if you wish to borrow a larger amount against your home over a longer period of time. Loans can be arranged up to 95% loan to value and 100% LTV in some circumstances. Home improvement loans can also be secured against BTL property for landlords who wish to raise additional funds against their property investments.
In most cases you will need to show the lender adequate proof of income. Proof may be SA 302 documents from HMRC or business accounts. Each lender will have their own requirements and an advisor will be able to advise you on what is required.
Yes. There are plenty of lenders on our panel that offer loans for self employed people. This also includes contractors, company directors and new business owners. Each lender will have their own income proof requirements and our advisors will be able to advise you on what is required as part of the applicant process.
Yes. There are a range of lenders who will accept applicants with bad credit issues. This may include CCJ’s, defaults or previous missed payments. Some lenders will also accept applicants who have previously been bankrupt. The advisor will be able to present a range of options and lenders that match your needs and credit rating.
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