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In what circumstances should I consider taking out a personal loan?: You can get a personal loan for any reason you want.
What can I do if I think information held by a credit reference agency on me is incorrect?: If you have been turned down for a loan and you cannot see any reason why, then you can contact the credit reference agency to see your personal credit report.
What is not covered by personal loan protection insurance?: There are a number of situations that are normally exempt from personal loan protection.
Can I defer payment?: This depends entirely on the specific agreement you have made with the loan company – and you must read your terms and conditions carefully to see if you are entitled to defer your payments at any point.
What is the maximum value of the secured loans I can have in relation to the value of my property (LTV ratio)?: The industry average for the LTV ratio (Loan to Value Ratio) is 75%. This means that if your property is valued at £100,000 – you will be able to borrow £75,000 against it. It may be possible to get more than that – for example 85% or 90% - however you will need an excellent credit history and must in general be considered a ‘no risk’ customer by the loan provider.

Frequently Asked Questions
for Secured and Unsecured Loans

Frequently Asked Questions related to the above topic.
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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.

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Hot Topics

Frequently Asked Questions for Secured and Unsecured Loans

Frequently Asked Questions related to the above topic. Click below if you wish to read them: -

Frequently Asked Questions
for Secured and Unsecured Loans

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -