Welcome to the Loans UK Help Centre
Remortgaging
When was the last time that you shopped around for the best mortgage? Chances
are that it would have been when you bought your house, well you may be paying
more in interest than you need to and remortgaging may get you a better deal...
Adverse Credit
Your credit rating is an important factor that is taken into account
by lenders when considering you for a loan or mortgage. Having an adverse
credit rating, as the name suggests, can have a negative impact when...
Bankruptcy Information
Thousands of people every year find that their debts get on top of them and that they can no longer cope
with the repayment demands of their creditors. In such situations many will resort to declaring
themselves bankrupt, but there are other options...
How Interest Rates are Set
When looking for a loan or mortgage, the interest rate charged will no doubt be something that you will pay
close attention to, but how are these interest rate determined? If you want to know the answer to this
question and find out why the rates change, then read this simple guide...
Property Improvement Funding
Carrying out home improvments is a a popular undertaking for homeowners, be it to make the home more to the
person's tastes, or to extend in order to gain needed space. Carrying out such work can be expensive, and so
some form of loan is often required for such purposes...
What is Financial Status?
You'll often see 'subject to status' alongside loan deals, but what exactly is this status? Knowing how lenders
will assess you for the suitability of a loan can help you to make a sucessful application, and also help you
to avoid situations that could cause you credit problems in the future...
Mortgage Basics
Finding and applying for a mortgage can be a complicated process, and with such an important descision
it is important that you fully understand what it is you are getting. While the specifics of each mortgage
will differ, the basics are fundementally the same, this guide should give you a clear understanding...
Need a business loan?
If you’ve ever thought about starting a new business you will have quickly realised that you
need money to make money. Any entrepreneur will tell you that start up capital is probably one of
the most important items on the road to success, along with product...
What is a consolidation loan?
A consolidation loan can be a real help to those who have a number of debts on loans and credit cards,
as it can provide a more manageable solution and in many cases actually reduce the amount of
interest that the borrower pays...
The FSA
The Financial Services Authority (FSA) is the regulatory body for the financial services sector,
it's aims are to ensure that companies provide the consumer with clear and honest information
on the financial products they offer. It operates indepantly of the Government...
Is buy to let for you?
Becoming a landlord is something that many people in the UK have done over recent years,
and there are many more considering making such a step, so is it right for you?...
Save or Borrow?
There are two very different approaches that can be taken when you want
or need to buy something, the first is to borrow the money, the second
is to save until you have the money by your own means...
Car Financing
If you are looking to buy a new car, there are a number of financing options available to you in the UK,
ranging from dealership schemes on new cars, to hire purchase and using a personal loan to get the
cash that you require in advance...
Loan Options for Self-Employed
Being self-employed can limit your options when it comes to getting a loan, however it needn't prevent you from
getting the money that you need. Lenders are aware of the needs of those who are self-employed...
Bridging Loans
A bridging loan can be invaluable in certain circumstances, but what exactly are they used for? They are
designed as short-term high limit loans for use when moving home, and can make the difference between...
Flexible Mortgage Basics
Flexible mortgages are becoming more popular, but what exactly do they offer to borrowers? and how
could they be best used to see the true benefits?...
Credit Ratings Explained
Your credit rating will greatly influence your ability to get approved for a loan or mortgage, but what
exactly is it? How is it worked out? And what information do lenders have available to them about you?...
Budgeting for Repayments
Before taking out a loan you should be clear on your current financial position, as this will
allow you to determine what loan amount you can afford, and help you plan for the repayments...
Getting on the Property Ladder
Making that first step onto the property ladder can be difficult, finding the money needed to
cover the deposit and associated moving costs may seem too steep a hill to climb, however there
are ways to make things easier...
Secured or Unsecured?
Two main types of loan are available in the UK market - secured and unsecured. Both offer
different things to the borrower and have their own characteristics, so which is best
for you, and how can you decide between them?...
Tackling Graduate Debt
University education is expensive, not only is there tuition fees to cover but also
accomodation and living costs, all of which add up to a surprisingly large amount
over the course of three or four years. Clearing such debt...
Personal Loan Charges
There are a number of costs associated with taking out a personal loan
besides the interest charges, this guide outlines the various costs involved
so that you know what to expect when arranging a personal loan.
What are loan brokers?
Finding a loan can be a time consuming process, requiring you to search
through the various deals on offer in order to find one that is right
for you, and that is at a competitive interest rate. Loan brokers act
as intermediaries and so the searching for you, saving you time and effort,
and should find you a loan that fits your requirements.
Loans and Fees
There are many different types of loans available for your circumstances
but you may well not be aware of them due to their popularity. We've touched
upon personal, secured, consolidation, bridging, adverse credit and car
loans, the main contenders in this field, but the more obscure terms tend
to get neglected. Therefore we have produced a helpful loans guide for
the more uncommon loans that are available today.
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