Finance Guides & Lender Insights

A lender-appointed or approved QS independently tests the construction budget, completed works, remaining cost-to-complete and draw requests. The QS is protecting the lender from a…

Potentially. A borrower who moved directly from years of stable employment into a better-paid role is different from someone with no established work history. Exact minimum tenure …

Car finance after discharge can be possible through specialist lenders, but rates and fees can be high while bankruptcy remains relevant to the credit file. Do not take a car loan …

A wedding personal loan is possible under many products, but it turns a one-day event into multi-year debt. Compare the exact shortfall, realistic repayment, rate/fees and post-wed…

A balloon lowers regular repayments by leaving part of the principal unpaid until the end. It does not make that debt disappear. Compare total repayments, the balloon and your exit…

There is no universal rule that any gambling transaction automatically declines car finance. A lender can consider frequency, amount relative to income, whether bills and debts rem…

A true refinance normally needs the existing loan paid out. Depending on the new lender, settlement may be direct to the old lender or borrower-managed. Get an exact payout figure …

Having little or no previous borrowing history does not automatically prevent car finance. Some lenders will consider first-time borrowers, but the amount, employment stability, sa…

A broker can add real value when your employment, credit history, debt consolidation or lender policy is non-standard. For a simple strong application, applying directly can avoid …

Because a small company's risk is often closely linked to its directors and owners, especially where they guarantee the debt. A lender may assess both the company and director/guar…