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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.

Secured 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)

Secured Loans

Secured loans are effectively a loan secured on your property. A secured loan can be a way of getting a loan that may not otherwise be available o you and in many circumstances can be an acceptable way to raise some money for whatever reason.

A secured loan means that the lender has the loan amount secured against your property not against you personally. In the event of not paying the loan back they can forcibly sell your property to get their loan value back.

Secured loans are more easy to access that unsecured loans for the obvious reason that the loan is "secure" and the lender has minimal risk. It is often easier to borrow more using a secured loan. Unsecured, or personal loans cap at circa £35,000 but unsecured loans can be up to £75,000 depending on your personal circumstances and equity in your property. Secured loans often span a longer period than secured loans, which suits the lender as this helps to offset the set up costs of the secured loan.

Some people may take out a secured loan as a way of paying off debt. This decision is down to many factors and includes your personal financial situation, ability to borrow and the amounts of any debt that you are considering paying off with a secured loan. Its important of course to work out the cost of any debt versus the amount repayable under a secured loan agreement to see if you will be better or worse off.

Secured loans are available in a variety of guises that include short term fixed rate secured loans, when you pay a fixed amount for the initial period of the loan which then reverts to a variable rate. There are also fixed for term secured loans where you pay a set amount monthly then at the end of the agreement the loan is paid in full vis the monthly instalments.

Variable rate secured loan track bank of England base rate and as interest rates move up or down the repayment is adjusted accordingly.

Secured loans can be a god solution for many people who are aware of the outcomes should they for whatever reason default on the loan. We are able to offer impartial advice on secured loans, their potential suitability for your requirements and can search out the best lenders and loan deals for your secured loan.

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