Hot Topics

In what circumstances should I consider taking out a personal loan?
You can get a personal loan for any reason you want.
What is a Bridging Loan?
A bridging loan is designed to help you when you are selling your old home and buying a new one, because it is very difficult to get the timing right.
How quickly can I get the decision?
More and more loans companies are selling themselves on how quickly they can make a decision. Many promise an instant decision, however they will still have to carry out a variety of checks to verify the information you have provided in your application.
What if my loan application is not accepted?
Sometimes a lender may not wish to give you a loan. This may be for a number of reasons, however the lender is not obliged to tell you exactly why the loan been refused.
I’m self-employed, am I still eligible?
Self-employed loans used to be difficult to find and expensive. But today, now that more and more people are working for themselves, self-employed loans are widely available and, as interest rates have fallen to their lowest in years, more affordable.

How much can I reduce my monthly payments by with a debt consolidation loan?

It really depends on how much you owe. In some circumstances you may be able to reduce your total monthly repayments by as much as 75% - simply by consolidating your debts into one single payment.

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Naturally the whole debt itself is just as large, but you can spread the outstanding balance out over a far longer term which gives you the chance to get on top of your finances. Depending on how much you owe, you will probably pay back more in interest because of the amount of time that interest will be able to build up over, but at least you will have the debt under control, and won’t be at risk of losing your property.

If you can pay the loan back quicker than the loan agreement specifies that will help you avoid some of the extra interest that a debt consolidation loan will charge. Every little helps as the sooner the debt is down the less interest you will pay.

 

Risk Warning
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. Security by way of a charge on your home may be required.
Think carefully before securing other debts to your home.