1. How much can I borrow?
2. Should I have a variable or fixed loan?
3. How long will the loan take to arrange?
4. What if I already have defaults or mortgage arrears?
5. Can I protect my loan should fall ill, injured or become redundant?
6. What if my circumstances change - or if I have other questions?
7. What if I want to borrow more in the future?
8. What if I want to move house?
9. How can I repay my loan earlier?
10. Can I become an investor?


1. How much can I borrow?

This will depend upon your income and how much of a deposit you have for a purchase (this amount can also be existing equity within any current property. Loans will vary depending upon your individual circumstances and what a particular lender will be prepared to lend.

2. Should I have a variable or fixed loan?

On the majority of our loans we are able to offer interest rates fixed for up to 10 years and for a blend of fixed and variable rates if it suits your needs.

3.  How long will the loan take to arrange?

The whole process usually takes two to four weeks dependent upon a number of factors including how quickly you can supply us with the documentation required to complete your loan.

4. What if I already have defaults, or mortgage arrears?

Did you know that every time you apply for credit, whether you proceed or not it is noted on your credit file?  You may not even know if you have default if you have changed address.  You may also have had difficulty in paying a debt which has then gone to the courts; this too is noted on your credit file.  Lenders will review your credit file and your conduct on your mortgage (if you have one) and if this too has been in arrears at some point over the previous 6 months it will affect your application.  But don’t worry, we do have ‘specialist lenders on our panel and a diverse range of products that helps us to arrange finance for people in some of the most difficult of circumstances.

5. Can I protect my loan should fall ill, injured, or become redundant?

Yes, we offer an optional accident, sickness and redundancy package for your peace of mind. Details of this valuable cover.will be discussed at your interview if required and we will engage the specialists in this area.

6. What if my circumstances change - or if I have other questions?

As a customer of the Loans Café you are never left without good options. You can speak to our trained specialists who draw on extensive experience of helping customers like yourself. So you may rely on prompt and sensitive help.

7. What if I want to borrow more in the future?

Simply email or telephone our office and we will arrange for a Finance specialist to call or visit to outline your options.


8. What if I want to move house?

Simply pay the outstanding loan balance from the proceeds of the sale or alternatively we may be able to transfer the loan to your new property.

Most lenders offer a 'portable' loan.

9. How can I repay my loan earlier?

Paying more than your required payments will help to reduce the time it takes to pay off your loan. Refinancing your loan to a lower interest rate and a shorter term will also reduce the time it tales to pay off your loan. To find out if these options are available to you, click here for a Personalised Financial Health Check.


10. Can I become an investor?

Anyone can become an investor with the right tools. At Dencorp Financial Solutions we pride ourselves on giving our clients the ability to acquire wealth through investing. Through our strategic alliances we guide you through the process of accumulating investment properties to build and maintain a property port folio.