Criteria

Chester Royal can allow additional borrowing to the main loan subject to a new affordability assessment. Contact our Lending Support team on 0800 224 8754 to discuss.

Chester Royal is able to offer further advances to existing borrowers. This is subject to a successful decision in principle.

Chester Royal do not have a product to assist applicants with adverse credit.

Chester Royal do not consider applications from applicants who are currently in an arrangement to pay with a creditor registered on their credit file.

Chester Royal can potentially consider an application where there has been a history of arrears on a credit card or any form of revolving credit. Refer full details to our Lending Support team on 0800 224 8754.

Chester Royal do not accept applications where there has even been a forced repossession or voluntary possession from an applicant.

Chester Royal do not consider an application where there is a history or evidence of gambling or gambling debts.

Chester Royal do not consider applications from someone who has an unsatisfied CCJ.

Chester Royal do not consider an application from an applicant who has a history of CCJs more than £500.

Chester Royal do not accept applications from an applicant who has any unsatisfied defaults.

Chester Royal can potentially consider an application where there has been a history of missed or late payments or arrears on utility bills on a referral basis. Contact our Lending Support team on 0800 224 8754 for full details.

Chester Royal can potentially consider applications from an applicant who has had any missed or late payments on a Credit Agreement. There can be no more than 3 in the last 12 months. Contact our Lending Support team on 0800 224 8754 for more details.

Chester Royal can potentially consider an application where there has been a history of arrears on an unsecured loan. Chester Royal will potentially accept a maximum of 2 months arrears in the 3 years. Refer to our Lending Support team on 0800 224 8754.

Chester Royal can consider an application from an applicant who has had arrears or defaults with a mobile phone or communications on a referral basis. Contact our Lending Support team on 0800 224 8754 with full details.

Chester Royal will consider an application without a maximum Debt to Income Ratio. This is subject to the underwriter's assessment. Contact our Lending Support team on 0800 224 8754 for more information.

Chester Royal can potentially consider an application where an applicant has a history of rent arrears. Refer full details to our Lending Support team on 0800 224 8754.

Chester Royal can consider applications where the applicant has historically had an Individual Voluntary Arrangement but has been discharged for at least six years.

Chester Royal do not consider applications where the applicant has historically had an Individual Voluntary Arrangement but which was discharged less than 3 years ago. We can only accept if discharged for at least 6 years.

Chester Royal do not consider an application where the applicant is currently in an Individual Voluntary Arrangement. They are only acceptable if discharged for at least 6 years.

Chester Royal do not consider applications where the applicant has historically had a debt relief order but was discharged between 3 and 6 years ago. Chester Royal can potentially consider applications where discharged for at least 6 years.