We are not going on a summer holiday

We are not going on a summer holiday

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We are not going on a summer holiday

3rd September 2014

Video transcript

Taking out a personal or secured consolidation loan to help manage your finances may help you to have sufficient improved cash flow to catch a summer holiday next time around after it emerged that one in five families cannot afford to go to the beach.

Barnardo`s has worked out that a "no frills seaside trip" over an August bank holiday weekend could cost over £170. This was based on finding the cheapest train fare for a family of four, booked two weeks in advance, as well as adding on basics like sun cream, ice cream and fish and chips.

Remarking on the figures, the charity`s chief executive, Javed Khan, notes that "the prime minister has put family life at the heart of government and promoted the staycation, yet for hundreds of thousands of families struggling to make ends meet… a trip to the pier is but a pipe dream".

Homeowners who are unable to keep on top of cash flow due to multiple significant debts may find a secured loan could be used to refinance debts to an affordable payment, leaving you to save up for family holidays abroad to create those magic moments that your family will cherish for a lifetime. The new loan could pay off all of your existing repayments, leaving you with just one, lower bill to sort out each month. Bear in mind consolidating your credit in this way may well mean you pay back more over the term of the loan. So only borrow what you need to and think carefully before securing other debts against your home.

You can get options on various secured, personal and guarantor loans through First Choice Finance. Any option you choose will be offered to you on a no-obligation basis, so you can decide to go ahead or not in your own time.

Enquire about raising money through secured loans today at firstchoicefinance.co.uk or call the team on 0333 003 1505 from your mobile or 0800 298 3000 on a landline. 

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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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