Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it.
If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
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No. With the exception of some logbook lenders, most lenders will require a formal credit check in order to establish your creditworthiness. A lender will need to check into your past credit to check for any issues such as records of missed payments, outstanding or unpaid debts, CCJ's or even a past history of bankruptcy.
Yes. A lender will look at the loan affordability and check that your current income from your casual work is adequate enough to meet the loan repayments. You will also need to show proof of income from your current employer such as your most recent payslips.
Yes. Most lenders consider self employed applicants as long as you can show adequate proof of income from either your sole trader business or income and dividends if a company director.
Yes. There may be some restrictions depending on your age. However many lenders will consider applicants up to the age of 70, 75 depending on the lengh of the loan term you require.
Generally, most unsecured lenders who offer loans up to £25,000. If you wish to take out a larger loan then you may need a secured loan otherwise known as homeowner loans. To take out a secured loan then you will need the help of a broker. You can check your eligibility and apply for a loan online here at Lending Expert.
Yes, we can certainly provide you with an online eligibility check within a few minutes. You can then go on and apply online direct with the lender using the 'check my eligibility' button above.
Loans displayed have a minimum term of 12 months and a maximum term of 360 months. Maximum APRC charged 49.9%.
Overall Representative Example for Secured Loans
Based on borrowing £18,000 over 120 months. Interest Rate: 6.5% fixed for 60 months with instalments of £227.38. Followed by 60 months at the lenders standard variable rate of 4.95% with instalments of £221.71. Fees Broker fee (£1,530); Lender fee (£495). Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee and Lender fee. Overall cost of comparison 9.1% APRC.
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