LOW RATE HOME LOANS

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Low Rate Home Loans Giving You More To Spend Each Month!

Weighing up the pros and cons

As a home owner you have a huge asset to use in your search for the best low cost loan - your property. Even in these days of low cost options and great deals using your home as a guarantee for any loan will help you shave percentage points off your interest rates. The lower your rates, the less you'll pay!

Funnily enough, many people that could qualify for a home owner loan don't actually take one out at all. They opt to pay more for an unsecured loans option instead. This is generally based on the fact that your lender can recoup their money if you stop making your repayments by taking it out of your home. To do this they'd have to have it repossessed which can, on the face of it, be a step too far for some people.

It's not as bad as it sounds

Apart from the fact that you should never take out any property owner loan unless you're confident you can make the necessary repayments there's something else you need to know here. Reputable lenders view repossession as a last and final resort. They don't actually want to turf you, as the owner, out of your home and they'll do their very best to help you out if you do run into financial difficulties along the way. Apart from anything else, repossession from an owner is a lengthy and costly business!

If you're really worried you can look to take out a payments protection plan when you sign up for any home owner loan. For a little extra repayment every month you'll then be covered should anything untoward happen. So, if you are made redundant or become ill, then your lender will make repayments for you for a period of time until you're sorted again.

These policies can give you that extra peace of mind that will help you benefit from the great rates that a home owner loan will give you. But, before you choose them, you should also look at any other tricks that you might already have up your sleeve.

For example, many of us are covered for illness and other such eventualities by our employers. So, if you become ill you will still receive your salary for some time. This would mean that you wouldn't have such problems repaying your loans. So, it's worth checking what other cover you have before you come to any decision.

Making it even better

We can help you assess whether you actually need payment protection and then we can help you find it in the most cost-effective way. So, we'll dig out the best home owner loan options for you at the lowest interest rates so you'll save money and have peace of mind guaranteed.

We'll also help you avoid paying more than you have to if you don't need payment protection. Some lenders add this product on to their repayment prices and hide the fact in the small print of your home owner loan. So, you might not want it but you'll get it anyway and not even realise it's there! That's one waste of your cash we can certainly help you avoid.

Whatever you need from your home owner loan package we can make sure that you get it. And, we guarantee that you won't get it cheaper anywhere else. We search everywhere for the best quotes tailored for your needs and then give you additional broker discounts on top - you just get the secured loans you need at the best possible cost.

OUR TYPICAL, VARIABLE RATE IS 10.9% APR. RATES RANGE FROM 7.25% APR to 27.60% APR
The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Special plans on different terms for clients with CCJ's arrears, and for the self employed without income proof. (fees may apply but only on problem cases - max 10% - no loan, no fee)
All loans subject to status in the UK to home owners aged 18 and over and may be secured on property.
Written quotations available on request. Other terms and amounts available