Responsible lending statement

Affordability assessment

No offer is issued before a documented affordability assessment is completed by an underwriter. We assess income stability, existing debt service obligations, and reasonable living costs.

• Verification of income through payslips, filed accounts or bank statements
• Review of existing credit commitments and repayment history
• Stress testing of repayments against a reasonable rate movement
• Manual review of every declined or borderline file by a second underwriter

Transparent pricing

Indicative annual percentage rates are published for each product and confirmed in the written offer. We do not levy hidden origination, brokerage or early-settlement penalties.

• Personal 3.0% APR · Business 3.2% APR · Mortgage 2.99% APR
• Student 2.5% APR · Refinancing 3.5% APR
• Full repayment schedule and total cost of credit shown before acceptance

Suitability and product fit

Where a requested product is not suited to the stated purpose or term, our desk will propose an alternative structure rather than proceed with an unsuitable facility.

Borrowers in financial difficulty

If your circumstances change, contact the lending desk before a payment is missed. We treat arrears cases individually and can consider payment holidays, term extension or restructured schedules.

• Forbearance options assessed within five business days
• No default charges applied while a forbearance review is open
• Referral details for independent, free debt advice provided on request

Advertising and communications

All marketing material states that rates are indicative and subject to underwriting, credit assessment and verification of documentation. We do not guarantee approval in any communication.

Complaints

Complaints are acknowledged within one business day and receive a substantive written response within fifteen business days, escalated to the compliance officer where unresolved.