FREE LONG TERM LOAN QUOTES

Secured Loans - £10,000 to £1 Million.
CCJ's, Defaults and Mortgage Arrears.
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COMPARE LOANS

Applying for a loan may seem challenging. You need some extra cash but the choices can be overwhelming and hard to understand with jargon like APR, secured, unsecured and so on. Its hard to know where to begin. We can help...

We can advise and help you choose the right loan for you, from personal loans to homeowner loans. We can even help you secure funds if you have a bad credit history. We will help you to understand the conditions of your loan and give you a full detailed breakdown along with lender details. Naturally, the most important thing is to make sure you will be able to afford the repayments.

Long Term Loans

SECURED LOAN LENDERS

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

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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.

Long Term Loans

When taking out a long term loan, you have to remember that this is a serious financial commitment that could run for a long period of time and in some cases, up to 25 years. So when choosing your loan over a longer time, you need to be sure that it is the most suitable and affordable one for you. most suitable and affordable one for you.

A long term loan is a great way to space out the monthly repayments, giving you more time and that extra flexibility to repay the loan. We consider long term loans to be those that run from 5 years onwards. When taking out a loan below a repayment period of 5 years, the interest rates can be considerably higher. So a loan over a longer term is a good way of keeping interest rates as low as possible. You have to remember that any rates offered will be dependent upon your own individual circumstances; this includes your income etc. If you are worried that you wont be able to obtain a long term loan due to your credit history, we can help find you a loan over a long term even if you do have bad credit. We have helped hundreds of clients find the right long term loan for them, regardless of their credit profile.

There are many reasons as to why you may be thinking of taking out a loan term loan, such as:

  • Home Improvements. (Kitchen, Bathroom, Conservatory, Extension, Loft Conversion etc)
  • New motor vehicle or motor vehicle repairs.
  • Consolidation of debts. (Paying off any/all of your outstanding debts)
  • Dream family holiday.
  • Business Loan. (Start of a new company or perhaps to expand your current business)

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