Who qualifies for a loan?


To qualify for an NHT Loan you must:

  • Be currently contributing to the Trust and have made at least 52 weekly contributions:
    • PAYE contributors: 13 weekly contributions must have been made in the last 26 weeks as at the date of your application.
    • Self-employed contributors: you must have paid your last two quarterly contribution payments as at the date of your application. 
    • Overseas voluntary contributors: you must have paid 104 weeks of contributions, of which 52 weeks must be paid in the period leading up to the date of application. 
  • Have paid up, with interest, any outstanding contributions due (Self-employed contributors) 
  • Be between the ages 18 and 70.
  • Be earning an income which allows you to repay the loan.

Each loan type has a different maximum amount or loan limit that can be accessed by a contributor.  For more information on the different loan limits, click here.

If you would like to confirm how much you qualify to borrow, , click here to generate an eligibility letter.