Debt Consolidation Loans which are secured to your property are regulated when under �25,500 and are subject to the laws of the consumer credit act in the U.K. (Tenant loans are slightly different) When you apply for a loan through our site, we will guide you through the procedures with regards to your loan. The general process is outlined below.

1)We call you by phone at a convenient time and help you decide if the loan is the right way to go for you. Once this is confirmed, Advance Docs are issued to you which include an Application Form, DDM, a Copy of the Credit Agreement and sundry other docs dependent on case.

2)8 days later, taking into account the mandatory cooling period, signable documents are issued � these include the Legal Charge ( enabling us to place our charge on the property ) and the master Credit Agreement which the customer has to sign.

3) Once we have received a signed application we are able to order a Mortgage Reference ( which is required in almost all cases ) from the mortgage lender, order Legal Searched on the property etc. Once the cooling off period is over, we can arrange for a Valuation of the property ( required in most cases )

4) Other docs we require from the customer usually include Buildings Insurance, Payslips/Accounts/Self Dec Form, Proof Of Residence if not on voters role, Mortgage Statement

5) Once all docs are received and provided the case still fits the criteria, the deal will be submitted to the lender who, if they like everything, will issue the cheque in 1-2 days. The cheque will go direct to the customer, made payable to the customer