Frequently Asked Questions

How much can I borrow and what are the repayment terms ?

We can arrange loans for any amount, from £5000 to £500,000 or more. We need to look at several things such as available monthly income and property equity. The most important thing is that you can afford the monthly repayments and are a homeowner / mortgage payer. Our loans are usually available over 3 years (36 months) to 30 years (360 months). The repayment table should help you.

What can I use the money for ?

How you use the money is up to you, as long as it is legal. You can pay off all your debts, leaving you with one lower and more manageable payment. You might even have cash left over! You can make that dream purchase. You can improve or extend your home. Maybe you have a wedding / honeymoon coming up? A private education for your children no longer has to be a dream. A secured loan from Flexi Loans can help you turn your dreams into reality.

Do you have to take up references ?

No. Your application is completely confidential. We won't contact anybody, including your employer or bank.

What happens if I am able to pay off lump sums or even settle the loan early ?

No problem at all, just give us a call and we'll run through the best procedure(s) with you. Depending on the lender there may be early redemption penalties included. This will be advised at the outset.

If I have a loan secured on my house, won't it cause problems when it comes to moving home ?

Not at all. You can pay off the outstanding balance of the loan from the sale of your house. It may even be possible to transfer the loan to the new property. Terms and conditions will depend on the arrangement. Details will be advised at outset.

Can I protect my repayments ?

Yes of course, and we strongly recommend you do. Life, accident, sickness and redundancy cover is available for a small increase in your monthly repayments.

Will you be able to help me if I need to borrow more money in the future ?

We help many of our previous clients borrow more money when they need it. You'll be pleased to know it's an easier process the second time round because we already have all the necessary details. These will just need updating.

What should I do now ?

You can apply online now, you can apply by telephoning free on 0800 043 0070, or if you have any other questions, concerns or worries, call for free advice and an informal chat. There is no obligation whatsoever.