Our Family Law loans can be used to fund legal expenses relating to your divorce proceedings, whether that’s mediation, arbitration, collaborative law or court proceedings. This includes your solicitor’s fees and any disbursements, such as fees for Counsel of other experts such as forensic accountants or surveyors.

If you are resident in England or Wales, have lived in the UK for two years, and require funding for your Proceedings for up to two years, then we can consider your application. Family Law Loans are available to customers who have instructed solicitor firms which are approved by Ampla.

We will perform a credit check on each customer applying for a Loan. This will affect whether we can lend to you, however we take all factors into account and credit history is only one consideration.

In some circumstances a Family Law Loan may not be suitable, and some examples are given below.
▪ Eg: Customers with cash deposits or savings available to pay their legal costs.
▪ Eg: Divorce and related proceedings which are not expected to be settled within 24 months.
▪ Eg: Customers who have instructed solicitor firms which are not approved by Ampla Finance.

If you are unsure whether the Loan is suitable for your financial needs and circumstances, you should seek independent financial advice.

Your Solicitor will repay the loan directly to Ampla upon receipt of the final settlement amount into your Client Account that they hold for you. The balance of your settlement will be returned to you once the Loan has been repaid in full. There are no penalties whatsoever for paying the Loan early, either in a single payment or by instalments.

• The Loan (including interest and charges) will be repaid by your solicitor on your behalf, from your settlement proceeds. This will reduce the final amount you receive from the Proceedings.
• The Loan will be repaid from the settlement proceeds, in priority to any payments to you.
• If the settlement proceeds from the Proceedings are insufficient to repay the Loan for any reason, you will be required to make up the shortfall.
• If the Proceedings are discontinued for any reason, you will still be liable to repay the Loan to Ampla Finance.
• If you breach the terms of the Loan agreement with Ampla Finance, or the Proceedings are not completed within 24 months, the Loan may become repayable by you before any settlement proceeds are received.

If you are unsure about the legal implications or risks of the Loan, you should seek independent legal advice.

Your solicitor receives no financial incentive from Ampla, nor do they recommend Ampla to you.

In the first instance, please either contact us directly or ask your solicitor to enquire on your behalf. As part of the application process we will ask your solicitor to provide us with some information about your case, such as the stage you are at in the process, the likely value of your financial settlement and other significant facts. Your solicitor will have calculated the size of loan you will need in order to reach the conclusion of your case. Once we have received your application, we will speak to your solicitor and make a lending decision.

Details of the Loan interest rate and charges will be set out in your offer documents.

The Loan is linked to your solicitor and only approved law firms can use our service with their clients. Therefore any new solicitor you appoint would need to be approved by us, otherwise the loan would need to be repaid in accordance with the terms of the Loan agreement. Similarly, if you decide to act in person that would constitute a breach of your loan agreement and the loan would need to be repaid in accordance with the terms of the Loan agreement.

If you are resident in England or Wales, have lived in the UK for the last 2 years and your divorce proceedings are taking place in England or Wales, we will consider you for a loan. Your application and credit status will be individually assessed based on the information your solicitor provides about your divorce.

The Loan is a full recourse contract, which means you always bear responsibility for repaying the Loan. In most cases the repayment will be made directly from the settlement you receive at the end of your proceedings, however in cases where the expected settlement is not achieved for any reason (eg. you reconcile with your spouse or do not liquidate your assets), you will be liable to repay the Loan to Ampla.

The amount you can borrow will be calculated based on the final settlement amount you are likely to be awarded at the conclusion of your divorce proceedings and what fees your solicitor (including VAT and disbursements) has estimated.

We will perform a credit check upon application and this will affect whether we can lend to you, however we take all factors into account and credit history is only one of the factors we consider

In addition to a Family Law loan, Ampla can also provide a Maintenance Loan to fund the living expenses you might reasonably incur in the course of day-to-day life, including: household bills, mortgage or rent payments, necessary property maintenance, school or nursery fees, daily subsistence, food & clothing, car payments or childcare costs.

Our Maintenance Loan is only available in conjunction with a Family Law Loan application, to fund the Solicitor Fees and disbursements associated with your Divorce or Financial Order proceedings. Both loans are repayable at the same time, once your Divorce proceedings are complete and settled.

If your Solicitor is willing, you can apply for a Maintenance Loan through them or come to Ampla directly. Simply fill out an application form and return to us at support@amplafinance.com.