Loans & Credit
Borrowing with a clear offer, a fair assessment, and no small print in six-point type
We lend where we can do so prudently: when we understand your income and outgo, your purpose, and the security or guarantee that supports the facility. The journey below is typical for a personal or small-business applicant; commercial and property lending follow separate documentation, but the same values apply: transparency, a single all-in view of the cost, and a decision that is explained, not just delivered as “approved” or “declined”.
Loan calculator
Estimate repayments before you apply. Figures are illustrative and do not constitute an offer.
What we can finance
Depending on your profile, we may offer personal loans, overdrafts, and hire-purchase or lease options on vehicles and equipment, as well as structured business facilities. Property lending is a specialist activity with its own LTV, stress-test, and valuation process; for regulated mortgage credit, you will receive tailored disclosures, including a European Standardised Information Sheet (ESIS) in the EEA/UK where applicable, before you are bound.
How we decide
We use credit bureaux and internal models, and we also look at the relationship: conduct on your current account, stability of income, and, for businesses, filed accounts, management information, and sector context. A human underwriter is involved in borderline or higher-value cases, not for box-ticking but to apply judgment where a model is uncertain. You have the right to a clear explanation in line with our regulatory obligations where a decision is automated or has significant impact.
Rates, fees, and the total you repay
We quote an Annual Percentage Rate (or equivalent) that reflects the interest, mandatory fees, and, where we must include it, the cost of ancillary products you must take. Optional insurance is not bundled into a headline “rate” in a way that confuses. If the rate is variable, we will explain what index or internal reference drives a change, and the notice you receive before a payment shifts materially.
Important
Credit is subject to status. Over 18s only, UK (or as stated) residents. Missed or late payments may impact your credit file. Your home or other property may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it. Nothing here is a mortgage / loan offer; seek independent financial advice for major commitments.