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.

Further Advance

What is a Further Advance?

A Further Advance is the term used when a lender agrees to grant additional credit on top of an existing mortgage. Often they are used for home renovations or to help buy a second property.

You should be able to apply for a further advance provided you have a good credit history and your home is in Equity, as such you may not be able to apply if the mortgage is relatively young (circumstances depending).


Q: What are the risks?

A: Adding an extra loan to your property means that there could be a higher risk of your property being repossessed if you fail to keep up with the additional repayments.

Q: What are the advantages?

A: The interest rate of a further advance is in-line with that of a mortgage, which means often they are considerably lower than they would be on a personal loan, meaning the amount to repay is lower overall.

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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