Is now the time to get a loan

Is now the time to get a loan

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Highest Loan To Value Purchase Mortgages And Remortgages - Low Rate Loans From £5,000 To £150,000 - Release Your Equity With An Equity Release Plan

Video transcript

Plenty of lenders may be reducing their rates as they strive for best-buy status in the latter part of 2013, but does that necessarily mean it`s the right time for you to take out a loan with them?

Financial commentator Andrew Hagger from MoneyComms notes that the fierce competition should benefit consumers, but there`s so much demand that lenders are able to cherry pick the people with the best credit ratings, leaving some would-be borrowers out in the cold.

There could still be a solution though, with First Choice Finance`s 25 years experience in sorting loans for UK consumers through a panel of different lenders who have plans for good, fair and poor credit profiles.

Meaning that even people with an impaired credit history have a chance of securing the loan they need, be it for home improvements, debt consolidation or to pay for a big purchase.

Ideally none of us necessarily want to use any loans, but if now is the time for you to obtain finance find out what we can do for you through a free quotation at firstchoicefinance.co.uk or by calling us on 0800 298 3000 from a landline or 0333 003 1505 from a mobile.
 

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Homeowner Secured Loans
9.8% APRC. Representative example: Borrow £50,000 over 180 months. 60 months at 8.1%, £497.83 pcm fixed at 60% LTV. Then 120 months at 10.1%, £539.89 pcm variable. Total payable £94,656.60. Total cost of credit £44,656.60 (including: £795 lender fee, £985 broker fee & £42,876.60 interest). First Choice are tied to certain loan providers.

Mortgages & Remortgages
8.4% APRC.
Representative Example: Borrow £120,000 over 25 years at 5.99%, £778.86 pcm fixed for 3 years at 60% LTV. Then at 8.75%, £974.86 pcm, variable for 22 years. Total payable £286,416. Total cost of credit £166,416 (including: £985 broker fee, £999 lender fee & £164,432 interest)


Unsecured Personal Loans
REPRESENTATIVE 49.9% APR (VARIABLE)
First Choice are tied to certain unsecured lenders.


THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Security is required on immovable property.



Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Established In 1988. Company Registration Number 2316399. Authorised & Regulated By The Financial Conduct Authority (FCA). Firm Reference Number 302981. Mortgages & Homeowner Secured Loans Are Secured On Your Home. We Advice Upon & Arrange Mortgages & Loans. We Are Not A Lender.

First Choice Finance is a trading style of First Choice Funding Limited of 54, Wybersley Road, High Lane, Stockport, SK6 8HB. Copyright protected.

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