What is the interest rate on my loan/mortgage?
Please refer to your credit agreement or your mortgage offer at the time you took your loan or mortgage with us.  If you have any questions, please call us on 0800 916 9191 or to request a call back, please click on the contact us link.

Can I change the date of my direct debit?
Yes.  You can change your direct debit date to any date between the 1st and 28th of the month inclusive.  Please note a one off interest charge will be payable for each day between your current payment date and your new requested direct debit date.

Call us on 0800 916 9191 to discuss any questions you may have regarding your payment.

Can I add a missed payment on to the end of the loan/mortgage term?
Depending on your personal circumstances this may be possible, we would need to review your account and discuss the options available to you.

Please call us on 0800 916 9191.

Can I take a payment break or holiday?
We do not offer this facility.  However, if you are experiencing difficulties in making your payments, please contact our Account Management Team on 0800 916 9191 to discuss the options available to you.

Can I change my mortgage to interest only?
Yes although we do not offer this facility on a permanent basis.  However; if you are experiencing difficulties making your payments, you may be able to change your mortgage to interest only for a temporary period depending on your personal circumstances.  To discuss the options available to you contact us on 0800 916 9191. 

Are there any early repayment charges?
There may be depending on the terms of your loan or mortgage account.  Check your terms and conditions when you took out the loan or mortgage with us or alternatively call us to discuss this in more detail on 0800 916 9191.

Can I pay by debit or credit card?
All loans/mortgages should be paid by direct debit.  However, we do accept payments by debit card as a temporary measure while you resolve a short term financial or banking issue.  We cannot accept payments by credit card. 

Can someone else pay by debit card?
Yes, however the cardholder must be present at the time of making the payment, as their authorisation will need to be obtained.

How can I pay by debit card?
Call us on 0800 916 9191 or use our online payment facility.

Can I make additional payments each month?
Yes, you can make additional payments each month however; depending on the terms of your account Early Repayment Charges may apply.  Please refer to your mortgage offer for further information or call us on 0800 916 9191 for details.

How do I borrow some additional money?
You can apply online through our website or by calling to speak with our specialist Underwriters on 0800 916 9191.

I am moving house; can I transfer the loan/mortgage to my new address?
No, your loan or mortgage cannot be transferred.  However; if you are looking to move house we can with your permission pass your details to Ocean Mortgages who are part of the Ocean Finance & Mortgages Limited Group.  Their experienced mortgage advisers can recommend a mortgage to suit your circumstances.  Any recommendation is made on a no obligation basis and they will assist you throughout the mortgage process.

Can I pay off the loan/mortgage early?
Yes.  You will need to request a settlement statement by calling us on 0800 916 9191 or click on the contact us link to e-mail your request.  Please note that we are unable to provide figures over the telephone.

How do I request a settlement statement?
Click on the contact us link and complete your details to request a settlement statement.  This will be sent to you within 2 working days.  Alternatively you can telephone us on 0800 916 9191.

How do I request a statement of account?
Click on the contact us link and complete your details to request the document.  This will be sent to you within 2 working days.  Alternatively call to make the request on 0800 916 9191.

A statement of account will automatically be sent to you on the anniversary of when you opened your new loan or mortgage with us.

How do I obtain a copy of the credit agreement?
A copy of the executed credit agreement would have been supplied at completion of your loan.  If you are unable to locate this, click on the contact us link and complete your details to request a copy of the document.  We may make a charge for a copy of the executed credit agreement and this will be sent to you within 2 working days.  Alternatively call to make the request on 0800 916 9191.

Moving Home
If you are looking to move house we can with your permission pass your details to Ocean Mortgages who are part of the Ocean Finance & Mortgages Limited Group.  Their experienced mortgage advisers can recommend a mortgage to suit your circumstances.  Any recommendation is made on a no obligation basis and they will assist you throughout the mortgage process.

How do I obtain details of the Payment Protection Insurance on my loan/mortgage?
Firstly, check the information from when you took out your loan or mortgage to see if you took out the cover.  This should contain any contact and reference numbers that you will need.  If you took out cover, a policy document would have been sent to you shortly after completion.  If you need further information or help in obtaining this information, click on the contact us link and complete your details and we will call you back.  Alternatively, telephone us on 0800 916 9191.

Where can I get free independent debt advice?

Citizens Advice Bureau
www.adviceguide.org.uk
England 08444 111 444
Wales 0844 477 2020

Citizens Advice Scotland
http://www.cas.org.uk
0131 550 1000

Consumer Credit Counselling Service
http://www.cccs.co.uk/
0800 138 1111

National Debt Helpline
http://www.nationaldebtline.co.uk/
0808 808 4000

Shelter
http://www.shelter.org.uk/
0808 800 444

Your Local Council
http://www.direct.gov.uk/en/Dl1/Directories/Localcouncils/index.htm

Online Application Process

Complete our simple online enquiry form and your application will be received by an experienced Underwriter who will assess your application to find a loan suitable for your individual needs and requirements.  All quotations are under no obligation to proceed.

If you already have a secured loan from Ocean Money your enquiry will be passed to one of our experienced underwriters; enquiries from other customers will be passed to Ocean Finance & Mortgages Limited

Existing Ocean Money Customers

If you already have a secured loan with Ocean Money and you are looking to raise additional finance then you may want to consider taking out a further advance.

A further advance will use further equity within your home as security against your loan.  You can use an Ocean Money loan for almost any purpose; you may want to consolidate some existing debts, purchase a new car or undertake some home improvements.   

Simply click on the link below to complete an enquiry form and one of our experienced underwriters will contact you to discuss this further.

As an existing customer you can also use our website to make repayments on your loan.  Click on the Make Repayments link and you will be able to make a repayment on your loan safely and securely. 

New Customers

Ocean Money is a specialist UK lender offering an extensive range of home owner loans and remortgages to suit your individual circumstances. We are members of the Council of Mortgage Lenders (CML) and Finance & Leasing Association (FLA) and we adhere to their lending codes.

If you are a new customer and you are interested in arranging either a remortgage or a secured loan then click on one of the links below and complete a no obligation enquiry form. All enquiries will be passed to the Ocean Finance and Mortgages group who will arrange for one of their experienced underwriters or mortgage advisers to contact you without obligation and discuss your enquiry further.

Ocean Mortgages from £10,000 to £750,000 5 to 25 Years  Enquire Online  No Obligation Free Quotes

Ocean Homeowner Loans from £5,000 to £100,000  3 to 25 Years  For Any Purpose Loans For people from all walks of life

Ocean Money is a specialist UK lender offering an extensive range of homeowner loans and remortgages to suit your individual circumstances.  Ocean Money is part of the Ocean Finance and Mortgages Limited Group and could help you raise money for virtually any purpose including home improvements, debt consolidation, car finance, holiday or a special occasion.

As a member of the Ocean Finance & Mortgages Limited Group – the UK’s leading finance broker, Ocean Money are registered members of both the Council of Mortgage Lenders and the Finance & Leasing Association and adheres to their Lending Code.  Ocean Finance & Mortgages Limited Group can help people arrange finance in various situations with our large selection of loan and mortgage plans.

Ocean Money provides loans & mortgages to meet your circumstances.  As a member of the Ocean Finance & Mortgages Limited Group, we can give you access to funds directly from Ocean Money whilst you can still get products from any other lender from the wider Ocean Group.