Home Loans UK - The Secrets of Getting Low Cost finance

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Secured Loan Expert is a trading name of First Union Mortgages Limited one of the largest and most trusted finance brokers in the UK.

We specialise in finding the best loans for our clients from probably the biggest selection of loan deals in the UK with over 950 different deals available at any one time. We will match your requirements with all the deals on offer, ensure that you are aware of all the costs of each individual loan before you chose to apply. We will make the application on your behalf ensuring that your case is seen by the lender in the most favourable light.

Our experts are there to ensure you get the best deal and what’s more our help and advice is free so why not take advantage of our expertise.

A homeowner loan is a personal loan taken out against the equity in your property. Also known as secured loans, these are offered in exchange for you offering your home as collateral. Securing the loan with your home enables you to borrow substantial amounts of money for long periods. Moreover, because the lender puts a charge on your home as security, it offers very good interest rates and manageable terms.

Currently you can borrow up to the maximum limit of 95% of the equity in your home.

- You can obtain a homeowner loan by first comparing the deals in our simple comparison engine and choosing the deal that suits you most. Pay attention to the minimum and maximum loan amounts offered by each deal, as this will play a role in your decision making. When you have found the most suitable loan offer just contact our friendly team of experts who will answer all of your questions, help you with your application, get pre approval from the lender, and if required arrange for a valuation of your home whilst keeping you up to date throughout the approval process until completion.

It is still possible to get a secured loan when you are self-employed. This will be dependent on your personal circumstances and each lenders’ criteria. Our team can advise you as to the exact requirements when you call us.

At Secured Loan Expert all types of credit history are considered. The decision to lend is subject to individual lender criteria and your personal circumstances. Our expert team can provide you with more information if this is the case.

No. The only note on your credit file that will exist when you make an initial enquiry will be a Quotation Search which will only be visible to you and not by other searchers.

When you make a full application then a full search will be undertaken which will show up on your file at that stage. This will be visible to other lenders.

While this process is a lot shorter than a mortgage or re-mortgage application, the exact length of time from application to you receiving the funds depends on the amount of the loan required, the loan amount to the asset value, the lender chosen and your individual circumstances.

Once the loan is approved by the lender, they will transfer the money to you typically within 48 hours if electronic transfer is the payment method.

There are no upfront fees to pay.

All fees and charges that you have to pay to take out a loan will be fully detailed to you before you make any decision to go ahead.

If you have any questions at this point just call our friendly team who will be happy to help you understand what fees may be charged.

By Michelle Tuvey.

Loan Underwriter

Does it seem as if your friends and neighbours always have the cash needed to cover long-term financing? Do you constantly find yourself wondering what their secret is? Well, it's no secret if you own a home. You can get fast cash to cover nearly any financing need by applying for secured home loans. UK consumers, just as you, can take advantage of the equity in their homes to secure large-scale financing.

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A secured home loan is different from other sorts of consumer financing in a number of ways. First, unlike unsecured personal loans and credit cards, the interest rates on secured loans tend to be lower because you are using your house as collateral. Second, targeted loans for cars and other expenses are limited in terms of what you can do with the money. A secured loan can be used for nearly anything. You can use your cash to:

  • fund the start-up of a new business
  • fund home repairs or renovations
  • consolidate your high interest debts
  • help defray the costs of a university education.

The secret to getting fast cash is to take advantage of the equity in your home to borrow as much money as you need. You can do so whether you have good credit, bad credit or something in between. It starts by comparing multiple lenders and loan products using a reputable comparison site.

Good Credit

The best position to be in for this sort of secured lending is one of good credit with a long history. Obviously, lenders like to see responsible borrowers even though those borrowers are putting their homes up as collateral. If you have good credit, you will get the lowest interest rates and best terms the lender has to offer. You will also have a bit more negotiating power when it comes time to accept a loan offer.

Even if you do not need fast cash now, establishing and maintaining good credit will help you in the future. Maintaining your good credit now will make it easier should you ever need to take out a secured loan for any purpose. So pay your bills, do not over extend yourself, and do not use credit unnecessarily.

Bad Credit

Yes, you can still get a secured loan even if you have bad credit. That is one of the main benefits of securing a loan with the equity in your house. You should still be able to borrow up to the limit of your equity, though a lender's loan-to-value ratio may reduce the amount in some cases. The only concern with bad credit is the fact that you are not going to get as good an interest rate or the favourable terms someone with good credit might be offered.

Having said that, a secured loan is a very effective way to help re-establish good credit. By taking a loan against your house and being faithful to your financial commitments, you could see a substantial improvement in your credit rating in just a few years. At least that improvement makes up for the higher interest rates and less favourable terms.

People with credit somewhere in between are subject to a mixed bag of interest rates and loan terms. What you will be offered really depends on the lenders you work with. At the end of the day though, you should not have any trouble obtaining a secured loan as long as you have decent equity to work with.

The secret to low-cost fast cash is access to secured home loans. UK consumers with equity in their properties can leverage that equity as a financing tool for nearly any purpose. Secured Loan Expert invites you to compare multiple lenders and loan products to see just how much you are eligible to borrow. You might be surprised by want your equity is worth in terms of real cash.

If you need help in finding the best deals available for your individual needs just call our friendly experts for free professional advice today.

Call Us For FREE Expert Advice and the Latest Rates.

We source the best rates from the whole market

  • Borrow up to £2,500,000 Depending on the Equity in Your House.
  • Adjustable Repayment Terms from 3 to 30 years.
  • Secured Loans Can Be Used for Almost any Purpose.
  • Low Interest Rates.
  • Rapid Approval - Low Arrangement Fees.
  • Options for Homeowners with Bad Credit History.
We Will Find You the Best Secured Loan to Suit Your Individual Needs.

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