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Personal Loans Guide

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Personal loans

Looking for a personal loan in the UK can be extremely time consuming. There are thousands of options available and it can often be overwhelming, if not almost impossible to understand what is the best option for you. Many people can find it difficult to decide on which personal loan to take. While there are many comparison sites what they will not do is find you the best deal. That's why it is best to let us find a specialist in your area who can help to find you the best personal loan

Despite what other lenders may tell you the personal loan that you can get is determined by your financial position. Being a homeowner will strengthen your position when looking for a personal loan, as you will have the option of using your home as secuirity – this reduces the risk of non-payment for the lender, and results in a lower APR( Annual Percentage Rate ) for you. Despit the credit crunch we have access to local lender intermediaries who can you make sure you not only get the loan you need but also at the best interest rate possible. Don't just take our word for it try us and see the results for your self.

Personal Finance

The more financially valuable assets you may have to secure the loan amount against, the more you will be able to borrow for whatever reason you have, the amount is governed by the value of your equity (i.e. the value of your house minus outstanding mortgage), if you have a good credit rating the more that some lenders will offer you. Prior to the credit crunch lenders would typically offer up to 125% of the value of your equity, allowing you to raise a substantial persoanl loan.

Of course, being a homeowner does not mean that you have to opt for a secured loan. If you do not wish to have the debt secured against your property, for whatever reason, then you can choose to take out an unsecured form of loan. However due to the credit crunch these loans are more difficult to obtain but we still have access to the intermediaries how can provide you with unsecured loans.

Having the choice is a real benefit, as you will be able to weigh up what each option has to offer, and decide on whether you want to go secured or not based on your circumstances.

If you are not a homeowner, you still have a wide variety of options available to you in the unsecured market. As the risk to the lender is higher for this type of loan is accepted to be higher, you would expect to pay a higher rate of interest. Although the current bank of England base rates are lower than historical levels not all lenders are passing these on to their clients. However our intermediaries may be able help you access the best rates so please complete the form and let a local advisor in your area get in touch with the best rates.

Best Overall Personal Loans

Whatever your requirement for the money, be it a new car, a house extension or a dream holiday there is a huge range of loans to choose from, sifting through these to find the best deal can be a difficult and long winded process – that’s where we come in. By completing our simple enquiry form you details we be put into the hands of a local experts in your area. He or she will make sure you are given the personal attention that so many of the larger lenders fail to provide. They are specialists in matching your personal requirements with the right personal loan product.

Finding a personal loan, whether it be secured or unsecured, needn't require hours of your time and a knowledge of the loan market - using our service is the easy and will result in you getting the money you need at a rate that will make you smile.

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Step 1 of 3

About your loan

How much would you like to borrow? Over how many years?   Please select1 year2 years3 years4 years5 years6 years7 years8 years9 years10 years11 years12 years13 years14 years15 years16 years17 years18 years19 years20 years21 years22 years23 years24 years25 years   Purpose of loan? Current residential status? Please selectDebt ConsolidationHome ImprovementCarHolidayWeddingOther   Please selectHome Owner - With a mortgageHome Owner - No mortgagePrivate Tenant - FurnishedPrivate Tenant - UnfurnishedLiving with parentsOther   What is your monthly income? (including any benefits) Your employment status?   Please selectEmployedSelf-employedUnemployedHome-makerStudentRetiredOther   Proceed to step 2.

Step 2 of 3

About your loan

You qualify for two types of loan. Select either: Homeowner Loan Is secured on your home. Rates depend on your circumstances; usually lower than an unsecured loan and often more flexible. Unsecured Loan Not secured on your home. May not qualify you for the best rates. Applying to a number of lenders may affect your credit score.   Estimated value of your property?   Your current mortgage balance?       Where will you buy your car? Please selectA DealerPrivate SaleI'm Undecided   What is the total value of money you owe to companies?   Do you owe money to 3 or more companies?     YesNo   What is your monthly rent/mortgage payment?   Your living arrangements?     Please selectSingleLiving with PartnerSingle & 1 ChildSingle & 2 ChildrenSingle & 3 ChildrenSingle & 4+ ChildrenWith Partner & 1 ChildWith Partner & 2 ChildrenWith Partner & 3 ChildrenWith Partner & 4+ Children   Your date of birth?   Do you have adverse credit? (if yes, we can still help) --12345678910111213141516171819202122232425262728293031--JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember----1991199019891988198719861985198419831982198119801979197819771976197519741973197219711970196919681967196619651964196319621961196019591958195719561955195419531952195119501949194819471946194519441943194219411940     YesNo   Proceed to step 3.

Step 2 of 3	About your loan
Based on your information we recommend you speak to a personal debt adviser. They will offer you advice on: Whether a loan is your best option Consolidating your debts Reducing the amount you owe How to freeze your interest payments Protecting you from creditors Proceed to step 3.

Step 3 of 3	Your details
First name: Last name:     Phone number: Alternate phone number:     E-mail address:   First line of current address: Current postcode:     Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry. Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail.

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