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Ask the Expert - Most Frequently Asked

• I am a homeowner, mortgage of around £220,000 and my house is worth in the region of £410,000. I have some credit cards and a person loan I want to consolidation. Can you help?

  Hi there, Thank you very much for writing in with regards to a debt consolidation loan. We would be happy to assist in finding you a great solution. As a homeowner, the options are greater for you, and it sounds […] read more

• Dear Sirs, I have been recommended to you by a friend and I’m looking for some advice and help with arranging a debt consolidation loan to pay off my accumulated loans and credit cards with one larger loan. I appreciate that this might mean I end up with a longer term but we just need to reduce our outgoings in order to get on top of things. In total we need £48500 and are happy to secure this on our house if it means we can have longer to repay. We are hoping to achieve a repayment of around £600 per month which would save us £400 a month compared to what the total amount is currently. Our credit history is pretty good and can provide you with bank statements or payslips if required to back this up. Can you confirm that this is something that you feel you can help with? Philip P.

  Hi Philip, Thanks for your question regarding debt consolidation loans. It sounds like you know a reasonable amount about how it works, and from the information provided, it shouldn’t be a problem helping you achieve your goal of saving £400 […] read more

• I noticed than you can help with bad credit homeowner loans. My credit history is not awful but I did go through a period of unemployment where I missed quite a few payments and got awarded a CCJ. I am nearly caught up now but could do with updating the bathroom and kitchen in my bungalow. I reckon on needing about £15,000 to do a nice job and could afford to pay back about £200 a month. Can you give me an idea of monthly payments and how long the loan can be over please?

  Hi Tony. Thanks for your email and yes we can help with arranging homeowner loans for customers with poor credit history. Life has its ups and downs and this is not unusual you’ll be pleased to know. Good to hear […] read more

• Hi, I’m looking for a homeowner loan for about £25,000 to consolidate some debts that have built up over the last few years and wondered whether you can help me. I tried my bank but they were very unhelpful, I think because I missed a couple of mortgage payments last year. I’m all caught up now but am worried that I will end up with a really high interest rate which I don’t want.

  Hi Rachel and thanks for your email. I can understand your concerns and it is a shame that banks are so unhelpful these days. They do seem to be very cautious now, even when they are faced with a perfectly […] read more

• Hi, We need around £15,000 for home improvements but don’t really want to secure it on our house. Can you still help us?

  Hi Stephen, yes we can still help. Unlike some homeowner loan companies we can arrange unsecured loans as well as secured ones. As long as you feel the monthly payment is affordable we could arrange £15,000 over a term of […] read more

• I was thinking of applying to you for a secured homeowner loan as I was recommended by a friend. I was hoping to borrow £30,000 for debt consolidation and wanted to pay back over around 15 years in order to keep the monthly payment sensible. The only thing is we are think of moving in a couple of years time and wanted to know if that is still possible with the loans that you arrange?

  Hi Sarah and thanks for your email. Yes it is still possible to move house as the loan can be transferred to your new home although you will need to speak to the lender and the often charge a fee […] read more

• I need a new car but my credit history isn’t great. I was unemployed for quite a while going back a few years ago and my finances got in a bit of a mess. I am mostly caught up now but really could do with a more reliable car to get to work. I tried an experian report and my credit score was quite bad but a friend of mine who also has bad credit suggested I contact you as you helped her to get car finance.

  Hi Simon and thanks for your email about bad credit car finance. You have definitely come to the right place for help and advice when it comes to arranging car loans as we have several lenders who specialise in helping […] read more

• I’m looking to arrange car finance for a BMW X5 that I’ve found at my local BMW dealer. I’ve spoken to the sales person there and worked out the figures but because my current car is not worth enough to settle my old finance agreement I would need to borrow the full amount of the new car which is £24000. The BMW dealer have said for them to help me I will need to come up with a cash deposit of £2400, which I can’t come up with easily because I have just bought my first house. I have a good credit history and can easily afford a few hundred pounds a month so I wondered whether you would be able to help me?

  Hi Shaun and thanks for your email about car finance. Depending on your credit history lenders like BMW finance will often require at least a 10% deposit which is what they are asking for here. This can be very frustrating […] read more

• Can you do tax finance? I have an income tax bill which I’d like to split.

  Thank you for your question. in the right circumstances tax finance may be a good option, leaving your saving or working capital free for other needs. We do offer tax finance options to both individuals such as yourself, and also […] read more

• I am looking for a personal loan of £25000 and wondered if you could help. I would prefer the loan to be unsecured and am happy to pay back around £550 a month over 5 years in order to keep the payments sensible for me. I consider my credit history to be reasonable but my bank only provides large personal loans of up to £15000. The purpose of the loan is for home improvement and a small extension on my house. I look forward to hearing from you soon.

  Hi Sean and thanks for your email regarding the home improvement loan that you are looking for. Your bank is not unusual in restricting your loan to £15000 and most banks have some kind of limit depending on whether you […] read more

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