Hot Topics

What is a Car Loan?
There are three different types of car loan. We have covered them here to make you aware of the options open to you when seeking a car loan:
What is a Debt Consolidation Loan?
A consolidation loan offers the opportunity to put all your outstanding balances together into one block. This can include credit cards, personal loans and sometimes your mortgage.
What do you accept as income?
When you apply for a loan you will have to state your regular income.
How do I make repayments and can I choose my monthly repayment date?
Your repayments will normally be taken from your bank by direct debit on a monthly basis. This means that you must have enough cleared funds in your account on the due date, or the payment will fail and you will have missed a payment.
Over what length of time can I spread my repayments with a debt consolidation loan?
You will be able to spread your repayments over whatever term you need to in order to meet your repayments.

What is a Bridging Loan?

A bridging loan is designed to help you when you are selling your old home and buying a new one, because it is very difficult to get the timing right.

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If you have to exchange on the house you are buying before you sell your own home, you may need to borrow money in order to pay money for the house you are buying that you don't actually have. You will in effect be paying two mortgages at once, so getting a loan to cover this period will be easy, as the loan companies understand this common predicament.

The bridging loan allows you to borrow over a short term which you can pay back as soon as you have sold your home. Because of the short-term nature of the loan however you should expect to pay more interest and higher fees than with a long-term loan.

You can also use a bridging loan to purchase properties at auction, fund short-term commercial or residential renovations, and to safeguard a property purchase if the mortgage is delayed.


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Risk Warning
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. Security by way of a charge on your home may be required.
Think carefully before securing other debts to your home.