Important Information regarding our loan calculator

The repayment calculator is for illustration purposes only, The actual interest rate, APR and monthly repayment will vary depending on your individual circumstances and credit reference. Please submit a full application for a personalised quotation.

For your reference, we made the calculator as easy as possible to give you an indication of the type of the different types of credit

Good Credit - An applicant with good credit is typically someone who is employed or self employed with fully provable income, no missed payments on any commitments and no adverse credit registered

Average Credit - An applicant with average credit is employed or self-employed with fully provable income, no mortgage arrears but is either currently in arrears or has been in arrears on credit cards / unsecured loans.

Poor Credit - An applicant who is employed or self-employed with no accounts, in arrears on their mortgage or Loan agreements and may have county court judgements (CCJ’S) or defaults due to none payment of credit

In all cases, you must ensure your mortgage plus the requested loan amount when added together are less than 85% of your house value to qualify for a homeowner loan with us. Poor Credit loans will normally be maxed at 75% of this value.