Before You Apply

Here you'll find some of the finer details to consider before you apply for a home credit loan. Please be sure to check that we cover your area before contacting us.

New and Existing Customers

With the cost of living going up, we have outlined a few important points that you should consider before making a final decision when further borrowing from Brantwood Finance. Treating our customers fairly and complying with the Financial Conduct Authority is of the upmost importance to us and ensures that we provide a fair and high quality service.

Alternatives to Further Borrowing

If you’re looking to borrow money to help pay a household bill, for example your gas and electric, or even your council tax bill, consider speaking to your provider first. They may be able to offer you a repayment plan which allows you to pay your bill in manageable installments. This could be a cheaper alternative for you.

If you find other lines of credit that are accessible for you, theses may be a cheaper alternative than a home credit loan from us. 

If you’re currently experiencing financial difficulties, MoneyHelper offers free debt advice at

Consider Taking A Break

Sometimes it is best practice to save up towards a future purchase rather than obtaining lines of credit. If you don’t take out a loan, you will save money by not paying interest. 

If you’re finding it hard to manage your finances or have incurred debt, consider getting some free debt advice. This may give you some relief from paying back any money owed on loans or other forms of credit. Should you need any further information, please contact your agent or our main office.

Before You Apply

Before you enquire about a loan with us and grant us permission to call to your home address and complete a full application:

  • Read and understood all the previous information we have provided.
  • Consider whether any previous loan(s) you have had with Brantwood Finance were conducted in a fair and proper manner.
  • That any previous loan(s) has been affordable subject to a thorough and precise affordability assessment carried out by Brantwood Finance and the repayment of the loan(s) has not resulted in you experiencing any financial harm.
  • That we have taken into account any circumstances relating to physical or mental vulnerabilities that you may have.
  • That any previous or future loan(s) will be affordable for you and will not impact your ability to pay your household bills or purchase everyday essentials.
  • Be fully satisfied that a new loan or future borrowing is your best and most affordable option by understanding the advice we have previously given to you or by considering other types of borrowing.

We care about our customers and our duty to you is to lend responsibly. Any loan amount applied for must be affordable and the repayments be manageable for you. 

This means that for all home credit loan applications we’ll need to see proof of your income and get a full understanding of your outgoings. It is important that you know what is required before applying for a home credit loan.

We do the work so that we can find the right loan for you

It is important that you know what is required before applying for a home credit loan.


Over 21

You must be over 21 years of age to apply for a loan with us.

UK Resident

Must be a UK Resident with a permanent residence.


No Debt Management

Not have been declared bankrupt, had a Debt Relief Order or an Individual Voluntary Agreement in the last 6 years.

A little bit about you

We need to prove you are who you say you are and so our Agent will need to see and take a photocopy of one or more of the following:

Form of Identification

We need to know that you are a UK Resident and over 21 before we can start your application

Proof of Address

You will need to be in a permanent residence for at least one year for us to consider your application

Can you afford a loan?

We undertake an Affordability Assessment to ensure we can offer you a loan where repayments are affordable for you.


(3 months either as a paper copy or in a format that can be emailed to us)

Bank Statements

(3 months either as a paper copy or in a format that can be emailed to us)

Proof of Income

(for those receiving additional benefits we ask for a letter issued within the last 12 months)