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Personal Loans Guide

Loans

• Personal Loans Guide
• Car Loans
• Adverse Credit Loans
• Debt Consolidation
• Homeowner Loans
• Payment Protection
• Secured Loans
• Unsecured Loans
• Terms & Conditions

Loan Providers

Secured Loans

A secured loan means that the money you borrow is lent to you on the basis that if your lender can’t get that money back from you or you fail to pay an interest payment on the due date the lender can, subject to obtaining a court order, take possession of the property you have given as security. The security is usually your house and the lender will register a charge against it at the land registry, this means that if you try and sell your house the buyer would be unlikely to proceed as his proposed ownership of the house would be subject to the lender’s charge. The lender takes less risk on your failure to repay the loan and interest and therefore you will obtain a lower rate of interest . Specialist advisors should have access to the best secured loans suited to your particular circumstances.

Secured Finance

If you are going obtain a secured loan the amount you may be able to borrow may depend on some or all of the following:

• 1. The value of your asset usually your house.
• 2. Your existing outstanding mortgage .
• 3. Your current expenses including credit cards.
• 4. the total income including spouse or partner.
• 5. Your credit report from Experian or other credit agency.

Each of the above factors will have an impact on how much of a loan you may be given and what interest rate you will be charged. Secured loans are suited for those people looking for a large amount of money for various reasons but they will usually be fairly confident that the loan will be repaid without too much difficulty. If you do decide to take out a secured loan you should take out insurance for sickness, loss of earning, accident etc. otherwise you risk your home and the future of your loved ones if things go wrong.

It is worth remembering that when you have credit card debts other unsecured loans, department store cards etc you may be paying over the odds in terms of interest rates. So if you own a house it may be worth considering a single secured loan instead of multiple small unsecured loans. This could benefit you it two ways: (i) it would reduce the administration and the concern with having so many small loans and (ii) the additional interest you would save on a single secured loan.

So don’t delay complete the form below and a specialist advisor should be arrange a loan for you which can be flexible as you and your modern way of life.

Submitting Details...

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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