Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

CREDIT REPORT SERVICES AND ONLINE EXPERT HELP ARE FULLY OPERATIONAL - PHONE LINES ARE CLOSEDCOVID-19 STATUS

ONLINE SERVICES FULLY OPERATIONAL
PHONE LINES ARE CLOSEDCOVID-19 STATUS

Fixed Rate

What is a Fixed Rate?

A Fixed Interest Rate is form of finance product where the interest on the loan will not change for a specified period. In terms of personal loans, the rate will usually remain for the entirety of the loan, but for some products this may just be offered as an introductory offer.

In many cases you may be offered a fixed interest rate loan on purchases that are paid off in a reasonably short time (5 years or fewer) such as car finance or a personal loan. There are also plenty of Fixed Rate Mortgages available, but these are usually offered as introductory offers, and change to Standard Variable Rate mortgages after a specified period.

You can also find fixed-rate savings accounts, which offer a set amount of interest provided you make a regular monthly investment. These typically run between 1-5 years and your savings may not be accessible during this period.


Q: What if the base rate goes down?

A: Your repayments still won’t change; fixed interest rates are a two way street, you won’t pay more than the first month but you won’t pay less either.

Jargon Buster

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.

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