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200+ Loan Plans.

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COMPARE LOANS

Applying for a loan may seem challenging. You need some extra cash but the choices can be overwhelming and hard to understand with jargon like APR, secured, unsecured and so on. Its hard to know where to begin. We can help...

We can advise and help you choose the right loan for you, from personal loans to homeowner loans. We can even help you secure funds if you have a bad credit history. We will help you to understand the conditions of your loan and give you a full detailed breakdown along with lender details. Naturally, the most important thing is to make sure you will be able to afford the repayments.

Homeowner Loans

SECURED LOAN LENDERS

(not all lenders displayed - not specific to your personal circumstances)

Customer Reviews

THE ACTUAL RATE AVAILIABLE WILL DEPEND UPON YOUR CIRCUMSTANCES. PLEASE ASK FOR A PERSONALISED ILLUSTRATION.

LOANS MAY BE SECURED ON YOUR HOME. YOU WILL HAVE TO PAY EARLY REDEMPTION CHARGES THIS WILL VARY. A VARIABLE RATE LOAN MAY GO UP OR DOWN IN LINE WITH THE BANK OF ENGLAND BASE RATE. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY. A BROKER FEE OF UP TO 15% OF THE AMOUNT BORROWED WILL BE CHARGED ON SECURED LOANS.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

WARNING: LATE REPAYMENT CAN CAUSE YOU SERIOUS MONEY PROBLEMS. FOR HELP, GO TO MONEY ADVICE SERVICE.

Secured

Secured Loan
(Homeowners only)

FROM £10,000 - £1,000,000

RATES FROM 4.30% APRC

REPRESENTATIVE 16.9% APRC VARIABLE

Representative Example - If you borrow £12,000 over 4 years at a Representative APRC of 16.9% and an annual interest rate of 16.9% APRC (fixed) you would pay £345.64 per month.

Total charge for credit will be £4,590.72
Total amount repayable is £16,590.62

PLEASE SEE THE ABOVE TYPICAL APRC REPRESENTATIVE COVERING ALL THE LOAN PRODUCTS WE PROVIDE AND SOME OF THE LENDERS LOGOS WHO WE WORK WITH. (RATES AS OF 16/01/2017)

Homeowner Loans

Homeowner loans are loans that are secured a home owners property and are, as such a secured loan. Homeowner loans are designed for people who usually want to borrow larger sums of money for a variety of reasons. These can include home improvements, cars, holidays, weddings or sometimes debt consolidation, for example to pay off other debts or credit cards. Needless to say, homeowner loans are available to people that own property that has equity. This equity in the property is the security which the lender requires and the equity should easily cover the amount of the loan with a little extra.

Typically home owner loans are between the amounts of £15,000 and £100,000 and often a homeowner loan term is between 5 and 25 years.

Lenders tend to be more lenient with people who do not have an excellent credit rating when applying for homeowner loans as they know that their money is safe in the equity of the property that the homeowner loan is secured against. This gives them the comfort and security to know that the loan will ultimately be paid by whatever means, although this is never the intention of the borrower.

Homeowner loans are repayment loans typically, which means that the amount of the loan plus interest is paid back over the loan period. At the end of the loan period all of the loan is paid back.

Homeowner loans are often offered with different payment profiles that may include fixed term interest rates over the first few years, thus guaranteeing the monthly repayment for a period, or may be variable rate whereby the homeowner loan tracks the Bank of England base rate and fluctuates accordingly.

It is worth noting that some lenders may charge extra fees if the loan is settled early, and the reason for this is that they will not ultimately receive all off the interest on the loan that they expected to.

Homeowner loans offer a relatively fast and easy access to a loan assuming the the borrower fits certain criteria, essential ones being that of course they own their own home but also that they have sufficient comfortable equity in their property to cover the full loan amount should any unforeseen circumstances arise. A homeowner loan is also a good option for a homeowner with a less than perfect credit score,and can help them to rebuild their credit rating over the period of the loan through making regular payments on time.

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