Secured Loans - Home Improvement Loans - Debt Consolidation Loans - Car Loans - Holiday Loans
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Raising money via a secured loan may not always be the cheapest and most suitable route. Therefore we will assess your individual circumstances before making a recommendation
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Credit Problems Are you having problems finding a loan due to past or current credit problems? Moneybox Could Still Help
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Self Employed Are you having problems finding a mortgage due to the difficulty in proving income? Moneybox Could Still Help
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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. We introduce directly to Loanoptions.co.uk. Loanoptions.co.uk are authorised and regulated by the Financial Services Authority. A typical fee for arranging this service is £1405. Reduce your monthly payments/Debt consolidation If you are finding it difficult keeping up with your monthly payments on various credit commitments or you just want a bit more money left over at the end of the month or you just want to find the cheapest way to pay off your debt, then a secured loan could be a good way to achieve this. Credit commitments such as:
Are often on a higher rate of interest. By consolidating these debts onto a secured loan and keeping your total monthly payments the same, you can vastly reduce the amount of interest you would pay. Alternatively if your main aim is to reduce your monthly payment then consolidating your existing short term debts over a longer term will help you achieve this. However, it is important to remember that although your monthly payments would decrease, the total amount you would pay, would increase by putting these debts over a longer term. Why not speak to one of our secured loan specialists and they will be able to help you find the cheapest way to achieve your goals? We introduce directly to Loanoptions.co.uk. Loanoptions.co.uk are authorised and regulated by the Financial Services Authority.
Home improvements Why not speak to one of our secured loan specialists today and they will be able to advise you on the best way to raise the additional money you need. If at that point a secured loan is the cheapest way forward, then they will search from a panel of lenders for the right secured loan for your needs.
If you are looking to raise additional money for any purpose then speak to one of our advisers and they will find the right secured loan for you.
A self certification loan is where you are unable to prove your income to the satisfaction of the lender. This could be due to you not having 2 years accounts (or in some cases 3 years) or your income is derived from various sources. Since a self certification loan is a higher risk to the lender you will pay a higher rate than a loanwhere you do prove your income. Speak to one of our fully qualified mortgage advisers today and find out if a self certification loan is the right type of loan for your circumstances. We introduce directly to Loanoptions.co.uk. Loanoptions.co.uk are authorised and regulated by the Financial Services Authority.
If you have been turned down elsewhere because of a poor credit history or you have any of the following issues: Help is at hand. We have access to a large panel of secured loan companies and within our panel we have lenders who are sympathetic and are happy to consider your individual circumstances. So talk to one of our secured loan specialists today and see what we can do for you. We introduce directly to Loanoptions.co.uk. Loanoptions.co.uk are authorised and regulated by the Financial Services Authority.
County Court Judgements (or CCJ’s as they are more commonly known) are registered when someone you owed money to, took legal action in the county court. The court decided you owed the money and that it must be paid by way of a court order. This CCJ is recorded and when you apply for credit, this information will be made available to the lender by the credit referencing company. If you have a CCJ registered against you, this can sometimes make it awkward for you to obtain credit. However there are many specialist lenders now available that understand these situations and are quite happy to lend within their agreed criteria. If you have difficulty in obtaining credit or you have a CCJ registered against you, use our specialist service to help you get the right deal for your circumstances. We introduce directly to Loanoptions.co.uk. Loanoptions.co.uk are authorised and regulated by the Financial Services Authority.
A default notice is a formal notice that is issued by the creditor to the borrower. It declares that the agreed payments have not been maintained in accordance with the original signed agreement and is now in arrears. A default notice sets out the arrears owed and gives a deadline as to when the payments should be recommenced. A default notice is normally issued when the account is more than 2 months in arrears (between 3 and 6 months), and will stay on your credit record for up to 6 years. Although a default is less severe than a CCJ, it can still have implications on you obtaining further credit. If you are experiencing difficulty in obtaining credit or you have a default registered against you, use our service to help you get the right deal for your circumstances. We introduce directly to Loanoptions.co.uk. Loanoptions.co.uk are authorised and regulated by the Financial Services Authority.
If you have fallen behind with your mortgage payments in the last 12 months or have simply had to pay less than the full required mortgage payment, then you may have experienced difficulty in obtaining a new mortgage, or you may have been restricted to your current lenders Standard Variable Rate. However help is at hand. There are many lenders out there that understand that missed mortgage payments are now a common problem, and they have set up separate lending arms to deal with these situations. Obviously these secured loan deals won’t be as cheap as the high street ones. That being said if you have only marginal arrears, you will still be able to get a good deal. If you are experiencing difficulty in obtaining credit or you have mortgage arrears registered against you, use our service to help you get the right deal for your circumstances. We introduce directly to Loanoptions.co.uk. Loanoptions.co.uk are authorised and regulated by the Financial Services Authority.
If you have a loan secured against your house (separate from your mortgage), lenders will again take the last 12 months payment history into account. They will adopt the same attitude to missed secured loan payments as they do with missed mortgage payments (see above) So if you are experiencing difficulty in obtaining a secured loan, then talk to us about helping you get the right deal for your circumstances. We introduce directly to Loanoptions.co.uk. Loanoptions.co.uk are authorised and regulated by the Financial Services Authority.
An Individual Voluntary Arrangement (or IVA) is a formal repayment agreement between a debtor (the person who owes the money) and their creditors (the people that are owed the money). The IVA is a legally binding agreement and allows the debtor to make reduced monthly payments to their unsecured creditors for the duration of the IVA (normally 5 years). An IVA is available as an alternative to Bankruptcy. During the IVA the creditors are legally bound to freeze any further interest or charges to the account. The creditors are also forbidden from contacting the client by mail, phone fax, or email as any correspondence must go through the appropriated IVA practitioner handling the case. If you have an IVA and are experiencing problems in obtaining a secured loan, then talk to us about helping you get the right deal for your circumstances. We introduce directly to Loanoptions.co.uk. Loanoptions.co.uk are authorised and regulated by the Financial Services Authority.
Bankruptcy is an option that has to be considered when an individual cannot pay their debts as they fall due. Bankruptcy proceedings will free you from overwhelming debt and also make sure that your assets are shared out fairly among your creditors. You will remain a bankrupt for a minimum of 1 year and then normally be automatically discharged. It is at this point that you can be considered for a mortgage. If you are a discharged Bankrupt and are experiencing difficulty in obtaining a secured loan, than talk to us about helping you get the right deal for your circumstances. We introduce directly to Loanoptions.co.uk. Loanoptions.co.uk are authorised and regulated by the Financial Services Authority.
If you do not regularly pay your credit commitments on their due date, but do instead pay within the calendar month that they fall due, this will not count as a missed payment but it can certainly be recorded on the credit register as a Slow payment. The implications of this are that it could lead to a possible rejection of your credit or mortgage application with a high street lender, as the majority of these companies work on the basis of an automated credit scoring system. If you have been declined due to a low credit score or slow payment record, then talk to us about helping you get the right deal for your circumstances. We introduce directly to Loanoptions.co.uk. Loanoptions.co.uk are authorised and regulated by the Financial Services Authority.
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Moneybox
Financials Limited: Registered in England No. 5492975. Registered address:
Ground Floor, Bancroft Place, 10 Bancroft Road, Reigate, Surrey, RH2 7RP. |