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Personal Loans Guide

Loans

• Personal Loans Guide
• Car Loans
• Adverse Credit Loans
• Student Loans
• Debt Consolidation
• Homeowner Loans
• Payment Protection
• Secured Loans
• Unsecured Loans

Loan Providers

Secured Loans

A secured loan means that you are borrowing money secured against equity that you put forward, which in most cases would be your house. As the lender effectively has the right to obtain their outlay by sale of this equity should repayments not be met, the risk which they are undertaking in lending the money is relatively small. For this reason secured loans tend to have a lower monthly APR( Annual Percentage Rate ), this basically means that the loan is more affordable with lower monthly re-payments, and a lower overall charge.

We of course have a full range of lenders with a whole raft of different plans to suit most circumstances.

Secured Finance

The amount you will be able borrow will typically depend on the following criteria:

• 1. The value of your house.
• 2. The amount of the mortgage you have already.
• 3. Your current outgoings including existing credit.
• 4. Your household's income.
• 5. If you have an adverse credit history.

As well as being used to determine how much you will be allowed to borrow, the factors above are also used to decide on what rate of interest you will be offered. Having a good credit history and being financially secured, can mean in some cases that you will get a rate of interest that is lower than the typical APR advertised.

Secured loans are often used by people looking to raise a large amount of money, by releasing the capital that they have in the value of their homes, such amounts could be used for any purpose, such as starting up a business through to structural home improvements.

UK Secured Loans

Smaller loan amounts could be used to clear current debts, such as on credit cards, or it could be used for home improvements, to buy a car or for that special holiday – whatever you need the money for get in contact with us and we can put you on the right path.

Arranging an unsecured loan is a straightforward process, and you can have access to the money that you need in a relatively short space of time, in most cases it's a matter of days.

These types of loan often offer more flexible repayment terms when compared to unsecured loans, allowing things such as deferral of payments for periods of time, and early repayment without penalty, features which are not usually found with unsecured loans.

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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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