We do a soft credit search when we check your eligibility which won't affect your credit score and won't appear if other firms do a credit search. If your loan is approved the search will become a "hard search" at which point it will appear on your credit file and may affect your credit score. 

Norwich Trust is a UK-based lender, specialising in loans for homeowners. But if we're not able to help you with a loan, we may direct you to one of our partners who may be able to help you. 

Norwich Trust charges a £199 fee but there are no upfront costs for making an application. The fee is added to the loan amount and is included in the monthly repayments. 

Experian’s Affordability Passport allows you to securely share your digital bank statements with regulated financial service providers. This information allows us to assess your financial situation and make a decision about your loan.

Read more on our Experian FAQ’s

Yes. You can change your mind at any time before the loan completes. If you change your mind after the loan completed, you'll need to let us know within 14 days, and pay back the total loan amount within 30 days. 

Yes. Whether you own your home outright or have a mortgage, as long as you are named on the deeds to a UK property, you can apply for a Norwich Trust loan.

Norwich Trust's rates are based on the loan and term you apply for, rather than your credit score. This means that the rate you're quoted is what you get.