What should I consider before applying?

14 January 2025

You should make sure that the monthly repayments are going to be affordable. You should be confident that you will have enough money left over after paying day to day expenses, (mortgage, household bills, energy, etc.) to make the repayments. You should also think about any future changes to your circumstances, i.e. redundancy, birth of children, etc. which could impact your income or expenses and therefore your ability to afford repayments. If you don’t think you can afford the repayments you should not take out a loan.