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- Get the best secured UK loans;
- Get the lowest fees;
- Best service;
- Quick response;
- Save time on applications;
- Get TigerTom's unique software;
- You'll love TigerTom's tips.
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Consider ... - Your interest rate;
- The term (no. of years);
- Reputation of lender;
- Application and handling fees;
- Affordability;
- Pre-payment penalties;
- Your credit rating.
These are the criteria you should use. Don't make a decision based on interest rate alone.
How can YOU get the BEST deals? Answer:
- Do some research.
- Get written quotes from four lenders.
- Improve your credit rating.
+ Don't just pick a lender out of a newspaper. Ask friends. Use the internet! This is a major purchase. It makes sense to spend a bit of time shopping around.
+ Verbal quotes are not worth the paper they're printed on; get them in writing, and get more than one.
+ You can improve your credit rating by only having one or two credit-cards, for example, and paying them off on time. Get rid of lines of credit you don't need.
+ The smaller you can make your loan, the better. Loans, like credit-cards, are an expensive way to get money. If you can beg or borrow from friends or family, to bulk up your cash-at-hand, do so. You'll get a better rate, and feel a lot happier if you're only paying a few hundred, rather than a grand, a month.
1. Good credit score: If you have a good credit score, you need not worry about getting a good deal; however if it's poor you'll need to improve it.
2. Look for website information: With an online company, you can apply through their web portal. These companies work very quickly and you can sometimes get your loan approved in a few days.
3. You should carry out a complete cost-benefit analysis. Negotiate with the lenders so that you get the maximum benefit. Competition is tough in the financial marketplace so you should be able to wheedle a better deal.
4. Get help from professionals: If you can't hack the mathematics, get help from some a recommended broker or advisor. There are a lot of 'em about!
5. Maintain good bank records for 6 months: The majority of bank and financial institutions look for your past 6 months bank records. So you should ensure that you pay bills on time for at least six months. Lenders may then offer you offer you a better deal. 6. Think about your budget; how much can you put towards your debt each month? Then leave a portion of your monthly income aside as coverage for unexpected bills and emergencies.
7. No matter how cheap a loan may be, pay it off as quickly to avoid interest accumulating. Try to get one that allows early payments; the quicker you pay back, the less interest you pay. If you extend the duration or 'term', you will have to pay much more in interest.
=> FREE: TigerTom's '50 Loan & Mortgage Tips' ebook. It's a simple list of tips to be aware of when getting a loan.
=> FREE: Use TigerTom's Loan and Mortgage Calculator. This shows you what your monthly payments will be, and allows you to adjust the amount, rate and time period, until you find what you can afford.
Interested in getting fast secured loans in Britain? Complete the form below, and get both softwares free. There is no charge or obligation.
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13th Feb. 2009: Applications
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| Get An Independent Advisor! Whether you have an A1 credit rating and simply require the best deal, or if you have less than an A1 credit rating we can help.
People with all credit backgrounds (self-employed, CCJs etc) with rates to suit your needs.
Rates start from 7.9% APR. Credit card, bank or any other personal financial details are not required until any personal loans UK are approved!
No fees, and valuations are free. How would you like to be able to... - Do the home-extension or the loft-conversion?
- Make your kitchen or bathroom fit for royalty?
- Buy the car of your dreams?
- Go on the holiday of a life time?
- Consolidate all your costly credit cards and secured loans?
We offer a high standard of service and advice.
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Secured loans are ideal for home owners as they offer the lowest rates possible depending upon loan amount and your credit rating - and our lenders will compete to win your business. They enable homeowners to borrow capital and offset some of the risk against the value their property. On a practical level this means that anyone taking out a secured loan is effectively using their property to guarantee the loan.
Loans are typically spread over a much greater timeframe than unsecured, which means that lenders are less likely to be harsh with you if you default on the odd repayment. However, you should only take on such a debt if you are confident that you can make the repayments; you can lose your home!
Repayment terms of up to 25-30 years also mean that it's easier to keep track of your finances.
TIP: You may find many lenders offering very low initial APR, but hiding high add-on costs in the small print. Ask them to explain all payment conditions, fees, additional costs and variable rates. Beware of prepayment penalties. Many 'no fee' credit lines have them. This can be costly if you are planning to refinance or sell your house in a few years time.
Have someone else read the small print if you're not sure. If you have concerns even after having it explained to you, or if you have a feeling that a particular broker is hiding something, just walk away and continue looking for something more suitable.
If you have good credit then you should get a correspondingly good rate. This is not always so. A loan is like any other good you buy in a shop; the seller may try to get you to buy a pricier one. This means a higher interest rate, additional insurance, or fees. And maybe life or health insurance on top of that. He knows you'll likely not be 'shopping' with him again, so this may be his single chance to get as much out of you as possible.
