FREE WEDDING LOAN QUOTES

Secured Loans - £10,000 to £1 Million.
CCJ's, Defaults and Mortgage Arrears.
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WHAT WE DO

We Gather Information Required to Search the Market

We gather some basic information about you using our quick online form

Conduct a Whole of the Market Comparision

We will search 100’s of providers to find you the lenders who are willing to approve your mortgage

Provide full service through to completion

We will show you rates along with the monthly repayments. This will not affect your credit score. We’ll also explain any fees if you progress at this point and as long as you are happy to proceed, provide you with the full service through to completion of your mortgage being accepted

SECURED LOAN LENDERS

(not all lenders displayed - not specific to your personal circumstances)

Customer Reviews

FREQUENTLY ASKED QUESTIONS

How we work?
By making an enquiry we will contact you to discuss your needs and outline if we can be of assistance. We will then request a copy of your credit file and this will be passed to a qualified adviser to review and give you advice and discuss possible quotations. If you wish us to proceed and get a ‘Decision in Principle’ we can do so. Once we have a decision from the lender we will discuss and email you a formal quotation and outline the process from there.
What is a homeowner loan?
This is a loan secured on your property as you are a homeowner. As the loan is secured upon the property lenders are more willing to provide cheaper rates when compared to unsecured loans and additionally can lend you more money over a longer term.
Can you get a secured loan with a bad credit history?
Yes. If you have had bad credit in the form of mortgage arrears, defaults, county court judgements, IVA and payday loans we have lenders that can help providing you have enough equity and can clearly afford any new borrowing.
How much can I borrow?
Secured loan lenders provide loans from £10,000 to £750,000. This depends upon your credit profile, equity in the property and affordability.
Why take out a secured loan rather than a remortgage?
We will always explore both options to ensure you get the right advice. Here are some reasons why a secured loan is more suitable, when compared to a remortgage:
  • Your main mortgage is at a low rate and any remortgage will be at a higher rate.
  • Your main mortgage has a large early repayment charge if you were to redeem this.
  • Your main mortgage has a long term left, whereas you want to borrow £XX over a shorter term to pay off quicker.
  • Your credit profile may mean a remortgage is not possible.
I have been declined in the past – can you help?
The key to this question is why you were declined. We provide an advised service, so if we cannot help you now we will explain why and provide advice as to what you need to do to be able to get a loan in the future.
How quickly can I get a secured loan?
Typical completion time from application is between 4 – 6 weeks.
What loan purposes do you accept?
Most legal purposes are allowed.

Wedding Loans

With the average UK wedding now costing over £27,000 its no surprise that finances are stretched at this special time. Not everyone has that amount of free capital available and often weddings can be sprung upon the unfortunates with not too much time to prepare? So whether you are planning to pay for some or all of your wedding yourself or have a smitten daughter keen to tie the knot, a wedding loan may be a necessary option.

What are the best options for a wedding loan, and where would you start to look for one? Well a wedding loan is like many other loans in that you can take out a loan and use the money for whatever you want to. The important thing to the lender is not what you are using the loan for but the ability to be able to pay it back. So the first things to consider in your search for a wedding loan will start with budget. Needless to say this is a very personal issue if you are contributing towards a wedding, but the bride and groom should pretty quickly have established what when and where and should have put together approximate costs at an early stage.

So, once armed with the amount that you need for your wedding loan, the next stage is to consider your personal circumstances. Is your credit rating of a sufficiently high standard to apply and be successful to get a personal unsecured loan? As the name suggests, an unsecured wedding loan is not secured on your property and is paid back in full over a period of a few years normally, matching the repayment period with your monthly budget. If the amount that you need to borrow is challenging your repayment ability then extend the loan over a longer period. You will pay more interest for your wedding loan but sometimes this is unavoidable.

A secured loan may be a good alternative to fund the wedding. A secured loan, as its name suggest is secured against your property. You need to own your home to apply for a secured loan, and have sufficient equity in your property to cover the loan in the event of things not quite working out. This will give the lender more comfort and security in granting the loan.

A further option is a guarantor loan if the other options are not readily available. A guarantor loan means that you take a loan yourself in the normal way but the loan is guaranteed by a guarantor. This can be a friend or family member. They usually need to be a home owner and will be responsible for paying off the loan should the applicant not be able to meet the payments for whatever reason.

Weddings bring plenty of things to think about and to organise. The financial element of a modern wedding can be significant and for things to run smoothly it is important to ensure that this side is taken care of as quickly as possible. Starting off a marriage with a wedding loan may not be everyones idea of a great married life but unfortunately it may be a necessity.

We use a broad panel of lenders to select the best financial products for our clients. Wedding loans are no different. By nature many newlyweds are not yet home owners which means that some loans are not available to them. So having all of the options explained fully by an impartial adviser is essential. We would be delighted to assist with your requirements, simply call or complete the enquiry form and we will get straight back to you.

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