Borrow up to £500 with our Family Loan and savings plan

Apply immediately for a loan of up to £500.


With this popular plan you can save up for holidays, Christmas, or other big spends at the same time as repaying your loan.


Simply become a Credit Union Member, arrange to pay a benefit or salary into your account, and we’ll do the rest.

Our ‘Family Loan‘ product allows families/individuals to apply for a loan of up to £500 from the Credit Union – this will be conditional upon a benefit or salary being paid directly to the Credit Union and an affordability check.

£500 Family Loan Example:
Child Benefit Weekly:
52 Weekly Repayments:
Savings Contribution Weekly:
Total Weekly Payment:
Total Savings After Loan:

"Been with them for about 5 months now, they're friendly and they care I can see this from how they deal with their members. I would recommend them to anyone looking to save, needing advice, and anyone who is struggling with their money.

They are there for everyone, better than the banks and you are helping your community by saving. 5 stars from me."


"The best thing I ever did. Never been able to save before but this makes it so easy"


"Outstanding, extremely helpful, and highly polite staff. Very professional at giving advice. 10/10 in my opinion."


"Absolutely brilliant staff, it's the best thing I ever did without a doubt. Thank you, everyone"


"Been a member for years and I've always had great service. Very helpful and friendly staff"


"Always at hand to help. Friendly people. Highly recommended! Keep up the good work.... especially staff from the Haverfordwest Branch!"


"This is the very best thing that has happened to this town in a long time."


"Always helpful, got me out of a crisis many a time"


"Always friendly & helpful. Wish I’d set up my account years ago!"


"I have been a member of the credit union for in excess of a year. If it wasn't for the credit union I would have been in dire straits. Thank you for all your help, I thoroughly recommend membership to everybody."



See how a £500 loan compares with other lenders:

Prices compared 31/08/2021

Pay Weekly
Total Payable
APR (rep)
Life Insurance?
SaveEasy Credit Union
Morses Club
Loans At Home

Frequently asked questions


Why Property and Why Winova?

Welcome to Winova!

Investing your assets can be a fantastic way to increase your savings. There’s a wide range of options to choose from: stocks, bonds, mutual funds, real estate, precious metals and many more.

Whatever method you choose, the desired outcome is always the same: to make a profit. However, the world of investments is as dangerous as it is alluring. There is usually at least some element of risk involved when pouring your hard-earned money into a scheme.

Property, however, is one of the safest investments you can make. Why? Because regardless of the economic state of things, the fact remains that people will always need a roof over their heads.

What is Property Sourcing?

When a person or business asks a third party to find a high-return investment property that they themselves would not be able to secure, this is called Property Sourcing.

Property Sourcing is becoming more and more common, especially in the current UK market. These companies or individuals work with investors to expand their property portfolios quickly and effectively.

Although many property sourcers will have global connections, the most efficient sourcing companies target a specific region or location. This enables them to offer a more comprehensive property purchase deal to clients.

Not only that, but sourcing companies that focus on a local base are able to build first-hand knowledge by visiting sites and assessing which properties will be most profitable for potential investors.

To put it simply, a property sourcer's job is to act as a go-between for a seller and an investor. Not only that, their role is to use their expert knowledge of local property and investment opportunities to ensure the deal brokered is beneficial for all parties involved!

There are several different types of properties to consider when sourcing to invest.

Here are five of the most common kinds:

  1. Repossessions - properties for sale that have been repossessed by the lender
  2. Unmodernized - properties with opportunities to renovate, extend or convert
  3. Lands/plots - vacant land for sale
  4. Cash Buys - properties for sale exclusively available to cash buyers
  5. Auctioned - properties for sale by auction in the coming weeks

You may be wondering how property sourcing varies from the standard market. There are a variety of reasons people choose to go down this route.

For example:

  • A lack of relevant contacts
  • A lack of market knowledge
  • A lack of time

These are just some of the reasons individual and corporate investors choose to outsource this task to a property sourcing company.

Property sourcing agents like us use our connections and market knowledge to secure first-rate property deals. We then pass these deals on to our clients.

Using a property sourcing company helps make the investment process smoother, easier and more efficient. In fact, it’s an excellent way to expand your investment portfolio at a much faster and more lucrative rate than doing it on your own.

Of course, this service doesn’t come cheap. Any property sourcing company you hire to manage your investments will charge a fee for doing so. Although this fee can vary from company to company, and is proportionate to the size of the investment, you will need to prepare yourself for a bill, regardless.

At Winova, we appreciate that the property market can seem daunting, confusing and time-consuming, particularly for newcomers. That’s why we take your investment as seriously as we take our own.

How much money will I need to get started?

Property in Liverpool is listed online for as little as £35,000. But before you make an offer, stop and ask yourself:

  • What investment strategy have you decided on? Will you rent it out, or are you going to sell it for returns?
  • How are you going to fund it? Are you a cash buyer or will you need a mortgage?
  • Have you factored additional fees into your budget?

The last point is especially relevant. Buying a property often comes with unseen costs which some people fail to take into account when drawing up a budget. This includes survey fees, solicitor’s fees, stamp duty and maintenance/running costs.

Be sure to take these additional costs into consideration before purchasing an investment property. You will need to clear these payments before we can exchange and complete on your property.

Why chose Winova Properties as my sourcing agent?

Our sourcing service is not only all-inclusive - it’s also jargon-free and easy to understand.

We will never over-complicate things.

Here’s what our sourcing service will do for you:

  1. Provide impartial, independent and unbiased advice on where to buy, what to buy and why to buy based on your own requirements.
  2. Offer introductions to our preferred local letting agents, builders and access to members of our ‘Power Team’.
  3. Managing the refurbishment, if required, until full completion.

Winova Properties specialize in property sourcing in the North West of England.

Here’s why we target this region:

- In our selected areas, house price growth is predicted to rise at 21.6 per cent over the next five years. That’s higher than any other UK region.

- Cities like Liverpool with solid growth potential and increasing yields are the sourcing opportunities of a lifetime. When examining the three key property sourcing points listed previously, here’s how Liverpool stacks up:


Rental yields in this area are topping the UK charts. Local postcodes (like L1 & L7) offer an average of 8% yield. Winova properties have a minimum of 10% yield. Let that sink in.


Investing in a property, however cheap, is pointless if nobody is lining up to live in the area. With its four universities, plus twelve hospitals and medical centres, Liverpool is a bustling hub of action with a wide range of renter/buyer options for whatever strategy you choose!

Capital Growth:

While 2020 has seen a sharp decline in the property market for many UK regions, Liverpool’s annual growth rate is a solid 4.1%. Not only that, but rents are predicted to increase by up to 3.5% within the next twelve months.


Winova Properties is a property investment company that offers two key services: Capital investment and property sourcing in Liverpool - exclusively.

Founded in August 2017, Winova Properties have been investing in property full-time ever since. Because we’ve focused exclusively on Liverpool and the surrounding areas, we are experts at getting our investors maximum return on their investments!

Our founders, Matthew and Lucy, are both professional property investors. Together, they draw on their wealth of experience as full-time property investors to create lucrative property portfolios for clients in North West England.

With extensive knowledge of the area, Winova’s targeted location ethos allows us to generate the maximum yields on any investments by our customers.

Another reason to choose Winova is that we are a fully compliant property sourcing company which means we have professional accountability, are registered with the Property Ombudsman, ICO, Anti-Money Laundering with HMRC and are fully insured with Hiscox to carry out this work on your behalf.

What additional services do Winova offer?

Alongside our quality property sourcing, we also offer the following additional services to our clients:

Whether you're new to the investment game, or a seasoned veteran ready to expand your property portfolio, Winova has the right deal for you!

Explore our range of investment opportunities and ready-made products, or get in touch with us directly to find out exactly what we can offer you today!

Sometimes, you need a quick, simple sale without the headache of estate agents.

Maybe you're having cash flow issues, or going through a divorce, or perhaps you simply want to sell a property that you no longer want to continue maintaining?

Whatever the reason, Winova is here to get you that sale. We work with any seller and will take any property off your hands- regardless of its condition!

Get in touch with our sales team. We'll arrange a time and date to view your property before agreeing on a sale that will get you your money fast!

Need help?

If you need further help please give us a call or email loans@saveeasycreditunion.co.uk

The above example for SaveEasy Credit Union is based on our Family Loan at 42.6% APR. Benefit or Wage must be paid directly to SaveEasy Credit Union before a Family Loan can be issued. Existing members may receive a lower rate. All loans are assessed on an individual basis and a lower amount may be offered. The above figures provided are if all repayments are made on time. Late payments may accumulate additional interest. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority FRN: 213676. Members' savings are protected by the Financial Services Compensation Scheme. Members of the Financial Ombudsman Scheme.