We specialise in providing personal and secured loans as well as capital
for car purchases.
We manage mortgages with various products available to suit any circumstances.
Our services are available to residents of the United Kingdom and Ireland.
Personal Loans
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Personal loans are currently available at highly attractive rates. They are an efficient and manageable way to borrow, and since you pay back a set amount each month over a fixed term, a personal loan can make borrowing larger sums (usually from £1,000 - £15,000) very affordable.
Personal loans can work out cheaper than a dealer finance package if you're buying a car, for example, or make it possible to implement home improvement plans over the medium term (say five years), without borrowing against the value of your property and without using your home as security. This is generally perceived as a unsecured personal loan.
However, if you decide to take out a secured personal loan, you should be aware that if you default on your payments the lender is entitled to posses your home. Although this is the worst-case scenario and lenders would rather not take this drastic step, it is important to be aware of it. Each loan company will have different conditions, some will make it possible to borrow an amount and then increase that amount during the lifetime of the loan. Others will allow you to pay the loan back early, check that there are no early payment redemption penalties in the agreement. The payments can be spread over anything from 1 to 5 years with some providers.
Many lenders will encourage you to take out a loan protection policy
at the point of agreeing the loan, this can add a great deal to the overall
cost of the loan as interest may also be charged on the protection part
of the loan and be spread across the entire lifetime of the loan. A loan
can be applied for online and given the ok almost immediately and once
the form has been signed and returned the monies could be with you within
five working days.