We work through a network of brokers. Generally brokers really understand their clients’ needs and are quite often frustrated by the lack of bank support. They work with us to put in place the right product for each client – which could be anything from a 3-month to a 10-year facility, with low-start monthly payments, interest-only options, bullet repayments or standard fixed-rate amortising. Whatever’s right for the client, we will strive to provide.
Our underwriting decisions are made by people, not computer programs, so we consider risk and security in the widest sense, seeing the true value of a borrower’s proposal. We review each proposal on its individual merits and never employ automated credit scoring.