Norton Finance FAQ

Norton Finance are one of the leading independent loan companies in the UK and have been providing customers with great loan deals for over 35 years. We have the knowledge and experience to obtain, through the many lenders we have at our disposal, the best loan for you and your circumstances. To find out more about us just click the portfolio link and see our full profile.

Depending on your income and the amount of equity in your property, you can borrow any amount between £3,000 and £100,000 and repay the loan over a period from 1 year to 25 years. If you know how much you can afford to repay, click here to find out how much you could borrow.

Being in business over 35 years we developed excellent relationships with many of the UK’s leading lenders, including subsidiaries of the main clearing banks. We’ve negotiated very competitive terms which we can pass on to our clients.

A Norton Finance loan can be used just as you like. Some of our customers use the opportunity to clear their credit cards, store cards and other high interest borrowings, leaving themselves with just one, more manageable, monthly payment. Other customers use their cash for home improvements, perhaps a conservatory or loft conversion. Then again, we have many customers who prefer to buy a new car, pay for a luxury holiday or help with their children’s first home or college fees. You decide - and spend your cash exactly as you wish.

Whatever your credit history our team of advisors will help you find a loan with the lowest interest rate possible and the most preferential terms available for your situation. Even if your adverse credit has meant you’ve been turned down for a loan elsewhere Norton Finance could still help. We have access to a number of lenders who specialise in sourcing this type of loan. Even if you have previously defaulted on a loan, have CCJs or mortgage arrears we can still help.

Applying for your loan from Norton Finance couldn’t be easier. You can apply instantly by completing our quick online form or simply call one of our friendly and experienced advisors on 0800 694 5566. Both processes are completely free and you are under no obligation. And don’t forget - we are here to help.

As soon as we receive your online application we’ll assess your requirements, match them with the best deal from our range of lenders. Our friendly and experienced underwriters will then guide you step by step through the process. There are no interviews, no salesmen will call and remember, you are under no obligation and the application process is free.

Once we receive your online application we can give you an ‘in principle’ decision within 24 hours.

You will be kept informed at all times of the progress of your loan. Our professional underwriters will guide you through the process and our day-to-day contact with the lender ensures we get through the process quicker than most, delivering your cash in the shortest time possible.

Once you receive your loan your are free to spend the cash exactly as you wish. For many of our customers consolidation is a main priority. You could pay off all your existing higher interest rate credit cards, store cards, overdrafts, HP etc and leave yourself with just one monthly payment, which would be much easier to manage. You could also leave yourself with cash left over to spend on the things you’ve always wanted.

Our lenders require accurate and truthful information. You’ll need to tell us your residential address (for the last 3 years), date of birth (you must be over 18 years old), employment details and some financial information. Our knowledgeable and experienced underwriters will guide you through the documentation and the more detailed enquiries needed to secure your finances. Click here to view the application form.

At Norton Finance our reputation has been built on the trust and confidentiality we devote to our customers. We treat all applications in the strictest confidence and at no time will we contact your employers, banks or any other third party without your permission. For further information please see our privacy and legal page.

When you receive an offer from a lender you will be quoted an APR (Annual Percentage Rate) and this, among other things, depends upon your credit status, employment history and available equity. Our typical variable rate is 17.9% APR. The majority of our customers get a rate lower than this. Our rates range from 9.9% to 29.9% maximum.

This is generally your choice. Our repayment periods are from 1 year to 25 years. Use our loan calculator to help you decide the monthly amount you’ll be happy to pay. The more you pay each month the shorter the loan period.

Your monthly payment depends on a number of factors. How much you borrow, over what period you intend to repay your loan and your individual circumstances. For an idea of your monthly payments use our loan calculator. When deciding on a repayment plan make sure you can afford it.

For your peace of mind it may be a good idea for you to insure your payments. We offer an optional accident, sickness and redundancy package. See our section on Payment Protection Insurance (PPI) for more information.

Norton Finance offer a range of fixed interest rate loans that allow you to enjoy financial stability and you’ll know exactly where you are with your payments. You can now make plans with the certainty that any interest rate rises won’t affect you or your loan, leaving it easier to budget each month.

Yes, with Norton Finance you can pay your loan off at any time. Most secured homeowner loans are regulated by the Consumer Credit Act. The method of calculating the amount of money required on early redemption will be stated in the loan agreement.

Being one of the largest independent finance brokers in the country we have access to many lenders including all the major banks, building societies and financial institutions. We have dedicated teams working in partnership with many of the best lenders in the country, giving us instant access and means we can match your individual needs and get fast results.

Yes; all you have to do is telephone 0800 694 5566 and we will gladly supply you with a quotation for a further advance.

Yes, here at Norton Finance we’ll take care of the administration and make it as straightforward as possible. With a remortgage you pay off your current mortgage and replace it with a new one, for a larger amount, which is also secured on your property. Remortgages tend to offer a lower interest rate than secured or unsecured loans.

We offer many different types of secured loans to homeowners. We have instant access to search through the many lenders we have at our disposal to find the best loan for your personal circumstances. The aim of Norton Finance is to provide you with the best solution on the market at the lowest rate possible.

No, all charges are pointed out in the agreement. At Norton Finance we also offer plans to suit all circumstances. So whether you are retired, self employed, have no accounts we can still help. We can also help even if you have had problems in the past such as CCJs, arrears or a poor credit rating.

The Norton Group of Companies offer a wide variety of financial products and related services. Apart from secured, unsecured and adverse credit loans, we offer mortgages and remortgages, business and commercial loans, equity release, debt solutions, conveyancing, retirement options, insurance and utility switching.

As a customer or potential customer of Norton Finance we are happy to assist you whenever we can. Simply call one of our friendly and experienced advisors on 0800 694 5566 or email us: enquiries@nortonfinance.co.uk and we’ll endeavour to respond within 24 hours. Don’t forget - we are here to help you.