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You are employed and receive a regular income. You have a UK bank account that accepts direct debits. You can apply to borrow between £100 and £2,000 with a short term loan and with an instalment loan you can borrow between £500 and £25,000. You should only personal loan application with cosigner as much as you really need to minimise the amount of money that you have to repay.
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While there is not an official conventional personal loan application with cosigner program, the HARP refinance comes close. Most homeowners do not need an appraisal to use this loan. HARP is open to those with a Fannie Mae or Freddie Mac loan, and since these agencies have an appraisal on record, they usually dont require another one. Documentation requirements are lower with HARP, mainly due to computerized approval systems.
Most refinance applicants will only need to supply pay stubs, a W2, and a bank statement if any cash is required to close the loan. The borrower can wrap closing costs into the loan, making the HARP program the next best thing to a conventional streamline refinance program.