Helpful tips when working from home.

Working from Home?

Helpful tips about ways to adapt

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Despite COVID-19 continuing to affect the way we all live, many businesses have embraced technology and made the transition to working from home (with varying degrees of success).

We wanted to share an article that we have found useful. It contains some insights that could help anyone now running their business from home.

ARTICLE: Running your small business from home

In the article you’ll discover what other small businesses have done to set themselves and their employees up for success in a home-working environment.

Key focus areas include:

Using routines to separate home life & work life

Setting expectations for ‘work mode’

Personalising your environment

In addition, you’ll find tips on easy ways to avoid potential adverse effects on your mental health during this time.

We’re always on the lookout for tips to share with our clients. Keep an eye out for updates and insights which we’ll send you by email from time to time.

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What Is a Soft Quote?

A soft quote is a simple, no-obligation way to explore your loan options without affecting your credit score.
When you request a soft quote, we assess your financial profile and give you an estimated rate, repayment amount, and loan term based on current lender options.

✔️ No credit file impact
✔️ No commitment required
✔️ Instant comparisons across multiple lenders

It’s ideal if you’re still shopping around or just want to understand what your repayments might look like.

What Is a Full Application?

A full application is the next step once you’re ready to proceed.
This involves submitting your information to the lender for a formal assessment. The lender then completes a credit check, verifies your documents, and provides a confirmed interest rate and loan offer.

✔️ Required for formal approval
✔️ Involves a credit check
✔️ Can lead to same-day approvals (depending on the lender)

What Affects Your Loan Rate?

Lenders consider several key factors when determining your personalised rate and terms. These include:

1. Your Profile

Credit history, employment stability, and income all play a major role in the rate offered. A clean credit file and steady employment can often lead to lower rates.

2. The Asset

The type, age, and condition of the asset (car, caravan, horse float, etc.) can influence risk and therefore the rate. Newer or higher-value assets often attract better rates.

3. Loan Term

Shorter terms generally mean less total interest paid, while longer terms may offer lower weekly repayments but higher total cost.

4. Fees

Every lender has their own structure for establishment, monthly, and exit fees. iCREDIT helps you compare these upfront so there are no surprises.

Why Compare with iCREDIT

At iCREDIT, we make finance simple and transparent. Our team compares a wide range of lenders, explaining your options clearly and helping you choose the best fit — without pressure or hidden costs.

Compare rates and lenders side-by-side
Understand your total loan cost upfront
Avoid unnecessary credit checks until you’re ready

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