Your home may be repossessed if you do not keep up repayments on your mortgage/secured loan. Written quotations (key facts illustration) compliant with the Mortgage Conduct of Business (MCOB). Our FSA number is 409725
Site Last Updated: 14/04/2007
Part of the Michael J Alexander Group
Part of the Michael J Alexander Group
Ó www.a-secured-loan-4-you.co.uk - Specialists in secured loans
Site Updates: Tuesday 17th April 2007
We are a UK Based Secured Loans Specialist
Whether you are employed or self-employed we have access to products that are designed with you in mind.
We are here to help you get out of your current financial problems and consolidate all of those expensive loans and credit cards into one affordable payment plan.
If you have county court judgements we can still help you find the right secured loan product.
A loan is available to you even if you have bad credit or have a negative history of credit. See how we can help you today.
You can repair your credit today with a secured loan, if you have damaged credit see how a loan can help.
If you would like to know more about secured loans, then read on to learn more.
We can source the most suitable secured loans at the most attractive rates, unique to each person.
Secured loans for UK home owners are available from specialist providers A Secured Loan 4 You.
Secured loans are becoming one of the most popular ways of borrowing money. A secured loan is backed by property of some sort that is used as collateral to guarantee payback if the person defaults on the repayments. The most common properties used for secured loans are homes and vehicles, although any property allowed by the bank/lender will suffice. As Britons continue to apply for loans this year, most of them are secured loans.
Because of the risk involved for the consumer, such as losing one's home or mode of transportation, this type of loan needs to be taken seriously and needs to be thought about before diving in head first. Careful budgeting and planning will make the decision much easier, and with the new rules now in effect, lenders must provide consumers with specific details on repayments and the secured loan repayment structure. Secured loans are best used for larger purchases, from five thousand pounds and up. Putting your home at risk for a smaller loan is not worth it if you are unable to make the repayments on the loan or secured loan repayments on time. However, for larger loans, a secured loan may be the only option for many. With the lower interest rates, secured loans are certainly a better option for larger loans.
As with all borrowing activities, a person's credit history will have a direct bearing on the rate that is achieveable, despite the property that is offered as collateral against the loan. The better the credit rating, the lower the interest rate. If you have poor credit and are not in need of a large loan immediately, it can be worthwhile to build your credit history using unsecured loans. This means, of course, that payments must be made on time and for the minimum amount at least--but this process can save you a lot over the long haul when taking out a secured loan for a big purchase, such as a home.
A secured bad credit personal loan will be secured against your property and in the event that the loan is not repaid the lender has the right to reposess the property and sell it at the best price that they are able to obtain and any excess value will be repaid to the client.Clients therfore should be aware that when they are considering debt consolidation or to borrow money secured against their property they should seek advice from an independant financial adviser with access to the whole of the market and who will source the plan that is most suitable to the client in their individual circumstances. Clients will also be guided through the process of aranging the loan and will be made aware of the fors and against of the transaction.
A bad credit history used to act as a barrier to getting a secured loan. Now, getting a loan with bad credit may not be as hard as you think. High street lenders have a more flexible approach in their lending policies, there are also companies that specialise in secured loans for those with a bad credit history.
Our latest secured loan development is our secured loan tool suite, featuring a smart, useful and easy to use affordability calculator. The affordability calculator will enable you to list your income and match it against your outgoings, the application automatically calculates your affordability and how much you can afford to borrow.
This useful secured loan tool also features a secured loan calculator and a mortgage calculator to help you with an other futher financial enquiries.
Getting a loan with A-Secured-Loan-4-You couldn't be easier, its a quick and easy process and if you complete our online application or telephone this office and we will take the information from you a decision in principle is normally available on the same day. A secured loan is a great choice of loan as using security can significantly reduce the rate of interest that you will pay compared with unsecured borrowing.
Simply fill out our secured loan application form today to get started, we find the best rate for you based on your credit scoring and status.
Join the forum today to talk finance, share you thoughts, opinions and questions with all the other members. Be a part of a growing community today.
Chat live to a financial adviser over the website today. Its quick and easy to get started, you could be connected to an adviser in as little as 60 seconds from now.
Browse our articles section for lots of useful tips, tricks and information to assist you. Please note we no longer accept article submissions.
These loans are secured by the home or other valuable property of the person borrowing for the loan, this is generally known as collateral.
It's not always easy to get the loan you are looking for, especially if you have a bad credit rating. County Court Judgements (CCJs), defaults and late payments can damage your credit history, making it harder and more costly to obtain a secured loan.
Having outstanding debt, unpaid credit cards and other financial commitments can damage your credit.
APR
APR stands for annual percentage rate, which is a yearly rate of interest. APR (Rates) are calculated in a uniform way taking into account the average compound interest rate over the duration of your loan.
Arrears
Arrears occur when you fail to meet your agreed payment date, your payment date will usually be agreed on the loan acceptance. Going into arrears will harm your credit score.
Consolidation
To consolidate multiple debts into one easy repayment.
Fill out the form below to discuss your secured loan needs.
Additional Information: (i.e. Call Back Time)
Contact E-Mail Address: (if any)
Secured Loan Call Back Form
APR
APR stands for annual percentage rate, which is a yearly rate of interest. APR (Rates) are calculated in a uniform way taking into account the average compound interest rate over the duration of your loan.
Arrears
Arrears occur when you fail to meet your agreed payment date, your payment date will usually be agreed on the loan acceptance. Going into arrears will harm your credit score.
Consolidation
To consolidate multiple debts into one easy repayment.
YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOANS SECURED ON IT. ALL LOANS ARE SUBJECT TO STATUS. SECURED LOANS ARE SECURED ON PROPERTY.
Only Residents from the UK may register as users of this site or apply for any of the services on offer. Written quotations available on request. Other terms and amounts available. Special plans on different terms for clients with CCJ's, arrears, and for the self employed without income
Our FSA number is 409725
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