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Loam or Morgage?
Married Partnership age 65 + 70yrs. Run a small business from home, we have no morgage. The house is worth £120,000, we need an extension, we are running out of space. We have two grown up children we would like to leave them the house. We need £25,000, Is it better to remorgage or take a loan offered to us at 5.6% apr…
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Loan secured on a car
I want to buy a new car for £15k. However, the PCP finance it comes with is at 11.5%, which is obviously not good. They want to sell me the car so I'm sure they will reduce that to about 10%. I wont be able to get a personal loan. Although I'm not self employed, many lenders class me as being so (as I work for 3 companies…
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Credit Agreement-is it worthless
I completed on additional borrowing with my mortgage provider. Having applied for interest only terms, but then received and signed the credit agreement act of 1974 which stated repayment terms, :confused: although at the interest only monthly repayment figure. Can the lender then claim they made a mistake and change my…
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Loan for Girlfriend's Deposit
Hi, girlfriend was refused on 1st time mortgage (100% LTV). She has not been refused credit before, or missed payments. She owes £3750 to credit cards. She had some others which she was not using, which she closed. Does this look better, as she has less credit available now? Or worse, as she is close to using the maximum…
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Lending money to buy a house
My daughter is currently buying a house & we are lending her the money to get on the property ladder. In reality we might never see the money again & we hope that we are not that desperate to need it. Because of various friends & work colleagues who have done similar things in the past & come unstuck we decided we would…
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Bank Statements
Have applied for Unsecured bank loan and have been asked to send 3 months bank statements problem i am with internet banking and have no printer and no hard copies why do they require this info even though checks will be made to credit ref agenies
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Unfair contract terms - please help
Already posted on Debt Free board but thought it may be of use here too. Please help... My history with First National/Asset links is on the boards to see but here is my current query. A varied county court judgement was made in October for £3980.32 plus £110 for costs. Asset Link still applied for a charging order on our…
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Large amounts - Short time period
I need to get a loan for £20,000- But i want to be able to pay it back in full after three months. The catch is im 18 years old, i live in a flat and i have no assets. I realise this makes my situation pretty hard. I dont really want to go in to why i need the money but it is very important and after receiving it i know i…
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Secured Loan - which one??
can anyone recommend a secured loan where the loan company won't increase the APR if I choose not to take out the payment insurance
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Loans - please help
Hi there, I'm looking for a loan up to £10k for a friend. He has no CCJs, no mortgage, one CC (just got) and is self-employed. Are there any places that are more likely to take him on than others? I'm guessing repayment would be over a 5-year period. Can anyone make any suggestions? Thanks! :-Joe
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Best way to buy a car
I am looking at buying a new car. We currently have a £1500 (part ex) deposit and the car purchase value is £7999 (we will be haggling this price). I am hoping the loan will be a max of £6500... Can anyone advise of best way to go. I have a mortgage with northern rock and they have offered me a loan at 5.8%... Having cash…
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Help Pls: Bank Loan for Business - Best Rate/what To Look For Etc
Hi All, I run my own business and am in need of a cash injection. Looking to borrow circa 15-20k secured against my house to put into my sole trader business. Can anyone with experience advise of the where to look for the best loan rate on the market at the moment, anything i need to be warry of when weighing up one loan…
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please don't repeat spam
please don't do there job for them by posting on it and bringing it to everyones attention,once reported it's best left alone
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A bit of a crisis
Just seeking a bit of advice.... My roof has just broke on me leaking in the rain. The bill is £1,700 and I'm not covered on my policy it seems (old age rather than other damage they say). My budget is as tight as it gets so what I really need is to be able to get hold of 1700 quid pretty quickly without adding huge…
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£50 000 in debt
i currently am in debt all accumulated over last 6-18 months to the amount of £50000 .i have an income of £42000,my wife has an income of £18000,we have mortgage of £57000 and house worth £235 000 can you help been turned down by first plus today for a home consolidation loan dont know why any opinions please
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My PPI with Halifax
How do i go about cancelling it then, have read through most of the Threads and it seems Halifax are the only ones who aren't budging on the subject, Have rang them they said no chance, can't get a Loan elsewhere as they won't take it into account that the rent is split between me and my partner. Really confused and any…
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Loan Care Cover
Is it worth having if yuo have a pretty secure Job, or is it best to always take this out when getting a Loan Or Payment Protection, i am currently with Halifax and can see loads of problems with PPI so would it be best to move my loan elsewhere and not take out PPI
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which is best for me?
I am buying a home for £170,000 and have £150,000 already. I need to borrow £20000 and wondered if anyone Knew the best method to do this? Either to get a loan or a mortgage? I Will be quite stretched so will only want to pay about £300 per month. Any ideas or help would be very much appreciated. Many thanks Marcus
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Career Development Loans
Career Development loans are deferred payment loans which are intended to help people fund their vocational training. The government pays the interest charge from the beginning of the course until one month after it is completed. I have been researching these recently and find that the rates of interest charged by the…
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self certification loan, secured 100%+ help needed
Hiya all, I’m new to this forum. I come seeking advice and help. I'm looking to get a secured loan for 40K I currently earn 60K but am classed as self employed as I work in IT and electronics as a contractor. The problem I have is everyone says yeah we can help, but then it comes to crunch time they turn round and say oh…
