How do I apply for a Regency Direct homeowner loan?

What makes Regency Direct a good choice for a homeowner loan?

What does a homeowner or secured loan mean?

Will a Regency Direct homeowner loan cut my existing credit bill?

What can I use a Regency Direct homeowner loan for?

How much can I borrow with a Regency Direct homeowner loan?

Who'll deal with my application?

I'm a tenant; can I have a Regency Direct homeowner loan?

How do I contact my Customer Account Team?

I don't understand my application pack. What do I do?

How does variable interest rate affect my loan?

What happens if I repay my loan early?

What happens if I move house later?

Why should I consider taking out a Payment Protection Insurance policy?

Your answers

How do I apply for a Regency Direct homeowner loan?

It's fast and easy to apply online now.

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What makes Regency Direct a good choice for a homeowner loan?

Because your best interests are at the heart of what we do. For starters we don't believe in encouraging excessive borrowing. Our aim is to help you stay in control of your finances, not to put extra pressure on them.

Our flexible repayment plans mean that we could lend you up to 25% more than the value of your home, less your mortgage. This means that you can borrow more money more affordably than you would with a typical unsecured loan or mortgage. And we combine all this with exceptional customer service.

• You choose the amount you borrow and for how long
• It's fast and easy to apply.
• You'll have a dedicated Customer Account Manager on hand to guide you through the whole process
• A Regency Direct homeowner loan is only for homeowners with an existing mortgage

By repaying your borrowing over a longer term, your overall interest charged will increase. Should you repay your Regency Direct homeowner loan early, some early settlement interest will apply.

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What does a homeowner or secured loan mean?

A homeowner, or secured loan, is for customers who own their own home with a mortgage. The loan is secured against the property.

With a Regency Direct homeowner loan, you could borrow money more affordably than with a typical unsecured loan or mortgage.

It's fast and easy to apply online now.

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Will a Regency Direct homeowner loan cut my existing credit bill?

By consolidating your existing credit and replacing it with a Regency Direct homeowner loan you may be able to reduce your monthly credit repayments.

Remember that by paying your borrowing over a longer term, your overall interest charged will increase. Should you repay your Regency Direct homeowner loan early some early settlement interest will apply.

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What can I use a Regency Direct homeowner loan for?

Most of our customers use a Regency Direct homeowner loan to rearrange their existing credit such as car loans, store and credit cards into one lower monthly repayment. Other customers use the loan for major projects such as building a conservatory, upgrading a kitchen or other home improvements.

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How much can I borrow with a Regency Direct homeowner loan?

You can borrow between £7,500 to £250,000 depending on how much you can afford to repay each month.

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Who'll deal with my application?

Regency Direct is all about delivering you great service. We'll provide you with a dedicated team who'll guide you through the entire process. Our team has highly trained, friendly professionals who will focus on giving you carefully thought out options and clear information.

All our staff are based in the UK.

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I'm a tenant; can I have a Regency Direct homeowner loan?

Unfortunately no. Regency Direct homeowner loans are only available to homeowners with a mortgage.

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How do I contact my Customer Account Team?

Your dedicated Customer Account Team can be reached direct on the phone number printed on your application pack. In the unlikely event that they aren't available, leave a message and they will promptly call you back. The same Customer Account Team will guide you through the whole application process.

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I don't understand my application pack. What do I do?

If you're unsure about anything in your Application Pack, simply call your dedicated Customer Account Team. Their direct phone number is printed on the covering letter included in your pack.

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How does variable interest rate affect my loan?

From time-to-time, your monthly repayments may go up or down in accordance with the Bank of England interest rate movements.

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What happens if I repay my loan early?

Your Customer Account Team will provide you with an accurate Settlement Quotation. The exact total will be worked out in accordance with the Terms and Conditions of your loan and some early settlement interest will apply.

Simply email us your request. We'll call you back to discuss your options.

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What happens if I move house later?

In most cases your Regency Direct homeowner loan can move with you and the security is simply transferred to your new home.

As part of our responsible approach to lending, we'll review the overall situation first to ensure that you are totally comfortable with the new monthly commitments and your loan still fits into our lending criteria.

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Why should I consider taking out a Payment Protection Insurance policy?

Payment Protection Insurance will cover you (subject to terms and conditions) for life, accident, sickness, involuntary unemployment and hospitalisation.

Your needs for Payment Protection Insurance will be assessed by a number of questions about your circumstances. Insurance is available to applicants aged 18 to 65 years.

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A Regency Direct homeowner loan is secured on your home.

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 DEBT SECURED ON IT.

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