Self Cert Loan Application - UK

Homeowner Loans
from £10,000 to £100,000 !

All you have to do is complete our short form. We will then search over 300 secured loan deals on your behalf saving you a lot of time and effort. If you are happy with everything, then just sign the paperwork, send it back and we will do the rest. We will do whatever it takes to get your finances to you as soon as possible.

- We cover over 90% of secured loan lenders!
- Low loan rates!
- Any purpose (within reason of course e.g. we won't lend you money for a spaceship!)
- A loan deal to suit your needs!
- Flexible and Affordable!
- Reduce your monthly outgoings!

About you:

Are you a UK Resident? - Select - No Yes
Residential Status: - Select - Homeowner with mortgage Own home outright Student Acc. Tenant Living w/parents	Loan Purpose: -Please Select- Home Improvement Consolidation Car Loan Holiday Overdraft Mortgage Remortgage Business Loan Other	Loan Amount: £7,500 £8,000 £9,000 £10,000 £11,000 £12,000 £13,000 £14,000 £15,000 £16,000 £17,000 £18,000 £19,000 £20,000 £25,000 £30,000 £35,000 £40,000 £45,000 £50,000 £55,000 £60,000 £65,000 £70,000 £80,000 £90,000 £100,000 £100,000+
Title and First Name:  -- Mr Mrs Miss Ms	Surname:	Date Of Birth: dd 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 mm Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec yyyy 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908
Mother's Maiden name:	Job Status: - Select - Full Time Part Time Self Employed Retired Unemployed Homemaker	Occupation:
Yearly Income: - Select - £1,000 £2,000 £3,000 £4,000 £5,000 £6,000 £7,000 £8,000 £9,000 £10,000 £11,000 £12,000 £13,000 £14,000 £15,000 £16,000 £17,000 £18,000 £19,000 £20,000 £21,000 £22,000 £23,000 £24,000 £25,000 £26,000 £27,000 £28,000 £29,000 £30,000 £31,000 £32,000 £33,000 £34,000 £35,000 £36,000 £37,000 £38,000 £39,000 £40,000 £41,000 £42,000 £43,000 £44,000 £45,000 £46,000 £47,000 £48,000 £49,000 £50,000 £51,000 £52,000 £53,000 £54,000 £55,000 £56,000 £57,000 £58,000 £59,000 £60,000 £61,000 £62,000 £63,000 £64,000 £65,000 £66,000 £67,000 £68,000 £69,000 £70,000 £71,000 £72,000 £73,000 £74,000 £75,000 £76,000 £77,000 £78,000 £79,000 £80,000 £81,000 £82,000 £83,000 £84,000 £85,000 £86,000 £87,000 £88,000 £89,000 £90,000 £91,000 £92,000 £93,000 £94,000 £95,000 £96,000 £97,000 £98,000 £99,000 £100,000	Job Length: - Select - < 1 year 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years 26 years 27 years 28 years 29 years 30 years 30+ years	Years with bank  - Select - < 1 year 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years 26 years 27 years 28 years 29 years 30 years 30+ years
Any additional income? - Select - £1,000 £2,000 £3,000 £4,000 £5,000 £6,000 £7,000 £8,000 £9,000 £10,000 £11,000 £12,000 £13,000 £14,000 £15,000 £16,000 £17,000 £18,000 £19,000 £20,000 £21,000 £22,000 £23,000 £24,000 £25,000 £26,000 £27,000 £28,000 £29,000 £30,000 £31,000 £32,000 £33,000 £34,000 £35,000 £36,000 £37,000 £38,000 £39,000 £40,000 £41,000 £42,000 £43,000 £44,000 £45,000 £46,000 £47,000 £48,000 £49,000 £50,000 £51,000 £52,000 £53,000 £54,000 £55,000 £56,000 £57,000 £58,000 £59,000 £60,000 £61,000 £62,000 £63,000 £64,000 £65,000 £66,000 £67,000 £68,000 £69,000 £70,000 £71,000 £72,000 £73,000 £74,000 £75,000 £76,000 £77,000 £78,000 £79,000 £80,000 £81,000 £82,000 £83,000 £84,000 £85,000 £86,000 £87,000 £88,000 £89,000 £90,000 £91,000 £92,000 £93,000 £94,000 £95,000 £96,000 £97,000 £98,000 £99,000 £100,000	Marital Status: - Select - Single Married Divorced Widowed Seperated Living Together	Maiden Name:
Proof of income: - Select - Please Select 2 yrs Cert/Chartered Accts Self Certification Accountants Letter Source of additional income:

Partner Information:

First Name:  Mr Mrs Miss Ms	Surname:	Date Of Birth: dd 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 mm Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec yyyy 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908
Job Status: - Select - Full Time Part Time Self Employed Retired Unemployed Homemaker	Yearly Income: - Select - £0 £1,000 £2,000 £3,000 £4,000 £5,000 £6,000 £7,000 £8,000 £9,000 £10,000 £11,000 £12,000 £13,000 £14,000 £15,000 £16,000 £17,000 £18,000 £19,000 £20,000 £21,000 £22,000 £23,000 £24,000 £25,000 £26,000 £27,000 £28,000 £29,000 £30,000 £31,000 £32,000 £33,000 £34,000 £35,000 £36,000 £37,000 £38,000 £39,000 £40,000 £41,000 £42,000 £43,000 £44,000 £45,000 £46,000 £47,000 £48,000 £49,000 £50,000 £51,000 £52,000 £53,000 £54,000 £55,000 £56,000 £57,000 £58,000 £59,000 £60,000 £61,000 £62,000 £63,000 £64,000 £65,000 £66,000 £67,000 £68,000 £69,000 £70,000 £71,000 £72,000 £73,000 £74,000 £75,000 £76,000 £77,000 £78,000 £79,000 £80,000 £81,000 £82,000 £83,000 £84,000 £85,000 £86,000 £87,000 £88,000 £89,000 £90,000 £91,000 £92,000 £93,000 £94,000 £95,000 £96,000 £97,000 £98,000 £99,000 £100,000	Job Length: - Select - < 1 year 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years 26 years 27 years 28 years 29 years 30 years More than 30 years
Primary Phone Number:	Maiden Name :

Your Address & Contact Details:

No. & Street:		Postcode:	Time At House: - Select - 3 or More Years Less than 3 years
Email:		Home Phone:	Mobile Phone:
Property Type: - Select - Detached Semi Detached Mid Terrace End Terrace Bungalow Flat Other	Bedrooms: -- 1 2 3 4 5 6 7 8 9 10+	Type of Walls: - Select - Bricks & mortar Concrete panels Concrete poured Mobile home Steel framed Stone Timber framed	Best Contact Time: 8:00 9:00 10:00 11:00 12:00 13:00 14:00 15:00 16:00 17:00 18:00 19:00 20:00 today 1 days time 2 days time 3 days time 4 days time 5 days time 6 days time
How Many Storeys? - Select - 1 2 3 4 5 6 7 8 9 10 10 or more

Previous Address:

No. & Street:

Postcode:

Previous mortgage? - Select - no yes

About your Mortgage:

Property Value: - Select - £50,000 £60,000 £70,000 £80,000 £90,000 £100,000 £110,000 £120,000 £130,000 £140,000 £150,000 £160,000 £170,000 £180,000 £190,000 £200,000 £210,000 £220,000 £230,000 £240,000 £250,000 £260,000 £270,000 £280,000 £290,000 £300,000 £310,000 £320,000 £330,000 £340,000 £350,000 £360,000 £370,000 £380,000 £390,000 £400,000 £410,000 £420,000 £430,000 £440,000 £450,000 £460,000 £470,000 £480,000 £490,000 £500,000 £510,000 £520,000 £530,000 £540,000 £550,000 £560,000 £570,000 £580,000 £590,000 £600,000 £610,000 £620,000 £630,000 £640,000 £650,000 £660,000 £670,000 £680,000 £690,000 £700,000 £710,000 £720,000 £730,000 £740,000 £750,000 £760,000 £770,000 £780,000 £790,000 £800,000 £810,000 £820,000 £830,000 £840,000 £850,000 £860,000 £870,000 £880,000 £890,000 £900,000 £910,000 £920,000 £930,000 £940,000 £950,000 £960,000 £970,000 £980,000 £990,000 £1,000,000	Mortgage Balance: - Select - £1,000 £2,000 £3,000 £4,000 £5,000 £6,000 £7,000 £8,000 £9,000 £10,000 £15,000 £20,000 £25,000 £30,000 £35,000 £40,000 £45,000 £50,000 £60,000 £70,000 £80,000 £90,000 £100,000 £110,000 £120,000 £130,000 £140,000 £150,000 £160,000 £170,000 £180,000 £190,000 £200,000 £225,000 £250,000 £275,000 £300,000 £325,000 £350,000 £375,000 £400,000 £425,000 £450,000 £475,000 £500,000 £525,000 £550,000 £575,000 £600,000 £625,000 £650,000 £675,000 £700,000 £725,000 £750,000 £775,000 £800,000 £825,000 £850,000 £875,000 £900,000 £925,000 £950,000 £975,000 £1,000,000		Monthly Payments: - Select - None £50 £100 £150 £200 £250 £300 £350 £400 £450 £500 £550 £600 £650 £700 £750 £800 £850 £900 £950 £1,000 £1,100 £1,200 £1,300 £1,400 £1,500 £1,600 £1,700 £1,800 £1,900 £2,000 £2,100 £2,200 £2,300 £2,400 £2,500 £2,600 £2,700 £2,800 £2,900 £3,000 £3,500 £4,000 £4,500 £5,000 £5,500 £6,000 £6,500 £7,000 £7,500 £8,000
Purchase Price: - Select - £50,000 £60,000 £70,000 £80,000 £90,000 £100,000 £110,000 £120,000 £130,000 £140,000 £150,000 £160,000 £170,000 £180,000 £190,000 £200,000 £210,000 £220,000 £230,000 £240,000 £250,000 £260,000 £270,000 £280,000 £290,000 £300,000 £310,000 £320,000 £330,000 £340,000 £350,000 £360,000 £370,000 £380,000 £390,000 £400,000 £410,000 £420,000 £430,000 £440,000 £450,000 £460,000 £470,000 £480,000 £490,000 £500,000 £510,000 £520,000 £530,000 £540,000 £550,000 £560,000 £570,000 £580,000 £590,000 £600,000 £610,000 £620,000 £630,000 £640,000 £650,000 £660,000 £670,000 £680,000 £690,000 £700,000 £710,000 £720,000 £730,000 £740,000 £750,000 £760,000 £770,000 £780,000 £790,000 £800,000 £810,000 £820,000 £830,000 £840,000 £850,000 £860,000 £870,000 £880,000 £890,000 £900,000 £910,000 £920,000 £930,000 £940,000 £950,000 £960,000 £970,000 £980,000 £990,000 £1,000,000	Year Purchased: - Select - 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930		Mortgage Company:
Mortgage Type: - Select - Repayment Endowment Interest Only Deferred Other	Term Left: yrs	Any Arrears? --- No Yes	Existing Secured Loans? No Yes
Did you purchase as a sitting tenant? - Select - No Yes

Additional Info

What did the council value the property at for the purchase?*

What discount did you receive from the council?*

Arrears:

Present Arrears?

Highest Arrears in last 12 months?

Last 3 payments on time? No Yes

Other Secured Loans

Secured Loan Company:

Loan Amount Owed:

All the details on this Form are true and not misleading. Where I / we have opted not to take Payment Protection, I / we understand it is my / our responsibility to keep up my / our own repayments if I / we are unable to work. I / we understand that this loan will be secured against my / our property. At this stage of the application, we would like to do a credit search. Sometimes information about you on the credit search can be linked to other people and false information may be recorded. Legally we need your permission to do a credit search, and the permission of anyone you have a link with. If you don't have a financial link with anyone, then of course it is only your permission we need. Do you give us permission? Disclosure and use of your information It is important that you READ THE INFORMATION BELOW FROM THE FISA BORROWER INFORMATION GUIDE. This explains how your data will be used. You will also receive your own copy of this guide in the post. I / we confirm the information given in this application is accurate and that you, or any lender to whom you submit this application, may use, and disclose my / our data as described in the Borrower Information Guide. Calls may be recorded for quality and security purposes. THE FISA BORROWER INFORMATION GUIDE. DATA PROTECTION. In simple terms the Data Protection Act requires companies and individuals who process and retain information about their customers to tell the customer how the information will be used and to what purposes it will be put. The Act does not restrict itself only to information kept on a computer; it is relevant to any ordered filing system. If you have applied to a FISA company the information below describes how your data will be processed. If your information is to be processed differently the trader will tell you. Credit Brokers If you have applied to a credit broker they will use the information you have provided to: - process the application you have made; - make, or cause a search to be made, at a credit reference agency (see the note below) - this search will be shown in any other searches which are made in connection with applications made by yourself and other members of your household. The disclosure of multiple searches may adversely affect your credit profile and may make credit harder for you to obtain. The broker may also use the information - to offer you other products which they make available; - to pass your details on to a lender or lenders they feel may be willing to lend you money; - to pass on your details to another broker, if your broker is not able to arrange finance for you; - to write to you in the future with a view to offering you products they feel may be of interest to you. - to pass your details to another broker in the future with a view to them offering you products they feel may be of interest to you. - to permit access to your information by the FISA or other regulatory bodies to ensure they are processing information correctly and complying with regulatory requirements. The broker may keep the information for several years. You can ask for the information not to be used to offer you other products. Any other broker or lender to whom the information is passed during processing your application may use it in the same way. Every company or person who processes or keeps data has a duty to keep that information up to date and accurate. NOTE - CREDIT REFERENCE AGENCIES The names and addresses of the main credit reference agencies are shown below. Brokers and lenders may use one or more of these agencies. Information about which credit reference agency was used should be made freely available. LENDING Companies Use of information when application is being processed Lenders to whom the application is passed will make wider use of the information than a broker will. If you have received any lender documents, they should include a statement telling you what they will do with the information, or telling you where to look to find out what use they will make of it. This statement will usually be near any signature box, or clearly placed on the front page. If the information is not by the signature box there may be an "information padlock" sign (like the one above) drawing your attention to where the information is. This guide tells you all the likely uses; some lenders may only do some of the things we explain. Almost all lending companies will check the information supplied on loan or mortgage applications with data held by credit reference agencies. Every time a search is made it is recorded by the agency and disclosed to other organisations on any later searches. Lenders will use the information obtained in the credit reference search to help them assess the application and they may use the result of any search in a credit scoring system. A credit scoring system is a system by which points are given for various factors like your age, your job or even for information obtained from a credit reference agency, such as how you have repaid previous or existing credit. Lenders use different methods of scoring depending upon their interpretation of the importance of different factors and the level of risk they are willing to accept. You should be told if a lender is going to use a credit scoring system. The lender may check your details with the credit reference agency or with other agencies (see below) to satisfy itself that all the details on the application are true, and that the application has really been made by you. If it suspects information is false or inaccurate it may report it to a fraud prevention agency. Please ensure the information you give is true as lending companies will check with fraud prevention agencies and if you give false or inaccurate information, and the lender suspects fraud, it will record this. NOTE - OTHER AGENCIES SEARCHED As well as the credit reference agencies, there are agencies dealing specially with the checking of application details to identify possible fraud. This is a protection for honest applicants, although it can sometimes cause delays. Details of these other agencies, and a brief outline of their purpose, are given in this guide. What if my loan application is not accepted? Nobody has a right to receive a loan. Loans are always granted at the discretion of the lending company. Sometimes a lender may not wish to lend. This may be for a number of reasons. The lender may think you cannot afford the loan. If it is a secured loan, your property may not be of sufficient value. A lender does not have to tell you exactly why you have been refused a loan but you can ask them for the name and address of any credit reference agency used and they will supply this information free of charge. If you are refused credit because of a computerised credit scoring system you can ask the lender for an explanation of how their credit scoring works (this applies only if the decision has been made on the basis of a computerised system alone). The lender may charge a small fee for providing this information. You also have the right to require a non automated review of the decision. Use of information once a loan has been made All lending companies keep information about their customers in their own records. This will include all the initial information given by you, and extra information about how your account has been run and any other dealings between you and the lender. Lenders will record the conduct of any loan throughout its duration, including how punctually the payments are made and other information, with one or more credit reference agency. This enables them, and others, to make decisions about credit and credit related services for you and members of your household including decisions on motor and household credit, life and other insurance proposals and insurance claims. Information may also be provided to the other agencies mentioned below. These will help lenders and other subscribers to those agencies to trace debtors, recover debt, prevent fraud and to check your identity to prevent money laundering. In particular, any difference between the information given by you or your broker and any later information discovered by the lender is likely to be noted. Lenders may also use your information for statistical analysis about credit, insurance and fraud. This may be done by them or by third parties contracted to do the work by them. If they use a contractor, they are obliged to ensure that your data is properly secure. Many lenders will also need to give information about you and your account to their bankers, other providers, insurers and re-insurers of funding for their lending or any other product they have offered to you. If your broker or lender intends to use your information for any purposes not included above, it will explain this in its documents. Brokers and lenders are under a legal duty to keep all the information they hold accurate and up to date. Credit Reference Agencies The two main credit reference agencies are Equifax Plc, Credit File Advice Service, PO Box 3001, Glasgow, G81 2DT and Experian Limited. Consumer Help Service, PO Box 8000, Nottingham, NG1 5GX. All the FISA lending companies use one or both of these agencies. The agencies do not keep "black lists" nor do they give any opinion about whether or not credit should be granted. They do have a duty to keep information up to date and accurate. Credit reference agencies keep a wide range of information. This includes information from the electoral or voters' roll and records of most county court judgements and bankruptcies. They also retain information relating to previous and existing credit and a record of searches made against the file. The lenders share information through the agencies providing a history of how punctually payments are being made or have been made. Loan information is usually held on file for 6 years. Details of the voters roll may be held for much longer. Information about credit searches is kept for up to two years. Other agencies CIFAS Reports from CIFAS relating to fraud and fraud avoidance are also available to its members (most lenders) - these contain information indicating that fraud, or attempted fraud, has been notified by a lender. The information might not directly relate to you, it might relate to someone who has tried to impersonate you. CIFAS information is intended to warn lenders and act as a protection for innocent customers. Data available to members of CIFAS, may also be used to help make decisions on motor, household, credit, life and other insurance proposals for you and members of your household. CML Repossession Register The Council of Mortgage Lenders' Repossession Register is available to members through the main credit reference agencies. If you have had a property repossessed or have given it up voluntarily this will show on the register. GAIN A file may also show a "gone away" marker indicating that a member of the "Gone Away Information Network" has reported that they cannot trace a customer who is in arrears with payments. Alternatively, the marker may indicate a new address which the "gone away" has been traced to. HUNTER Files in this register contain detailed information on applications made and loans given. It is aimed at tracing fraudsters who use different combinations of information to obtain credit dishonestly. It checks and counter checks information given on application forms. If your broker or lender uses any of the above agencies they will be able to confirm their contact addresses. All agencies, brokers and lenders You are able to see what information any of the above hold about you. You can ask them for a copy at anytime. They must also tell you where the information was obtained. You will need to write and they may charge a small fee (£10 maximum). The firm will have to reply within 40 days from receipt of their fee. If you wish to see the information contained on a credit reference agency file you can do so by writing to the relevant agency. The agency must respond within 7 working days. There is a small fee of £2 required. If your credit reference file contains information about other people with whom you have no financial connection or if it contains information which is incorrect you can ask for the entry to be corrected, removed, or have a note put on the file explaining why you think the information is wrong. The agency will not remove correct information. The Data Protection Commissioner provides a useful leaflet which explains how to request changes to your credit reference file. The easy to read leaflet includes examples of letters and details of various actions you may take to amend a file. You can obtain a copy of the free leaflet by writing to "No Credit Leaflet, P.O. Box 99, Nelson, BB9 8GS". Information is also available at www.dataprotection.gov.uk.

I/We confirm that I accept and understand the above terms & conditions.

I/We do not wish to receive correspondence from you offering other products which you think may interest me.

 

Financial Services Authority

Security

Data Protection

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBTS SECURED ON IT

Rates from 7.4% APR variable to 14.0% APR variable MOST customers pay 10.9% APR typical variable or less