Larger Loans For Virtually Any Purpose. Borrow £3,000 - £150,000 Over 36 - 240 Months. We Could Help Even When Refused Elsewhere. No Obligation Whatsoever & All Quotes Free.
Low Repayments & Terms To Match Your Budget
Fast Completion & Funds Paid Direct To You
Large Loans For Bad Credit / Adverse Credit Profiles
One Of The UK`s Longest Established Large & Big Loan Specialists. Our Clients Have Successfully Obtained From £3,000 To £150,000 For Any Purpose. Our Lenders Terms Enable You To Keep Your Repayments Affordable By Spreading Your Large Loan From 36 To 240 Months.
There Are Early Repayment Options & We Have Helped People Who Have Been Refused Or Let Down Elsewhere.
In this current day and age with prices constantly on the rise and the everyday cost of living creeping up alongside it, people are needing to borrow larger sums of money to do the things they want. Here at First Choice Finance we understand the financial pressures that our clients may be facing, which is why we strive to make affordable large loans available to those that need them and have large loan lender plans for customers with good, fair and adverse credit.
Whether it is for debt consolidation to improve cash flow, or to enable a major purchase or you simply want to carry out those home improvements that the house has been crying out for - a large loan from £3,000 - £150,000 could be the remedy. With the average cost of a home extension now coming in at an estimated £40,000 there are very few of us that have large enough balances in our savings to fund such projects. We feel that as long as you can afford it you shouldn`t be prevented from improving your home or taking out a loan for any reasonable purpose. To find out your options give us a call confidentially on 0800 2983000 (freephone) or 0333 003 1505 (mobile friendly), alternatively fill in our short
free large loan quote enquiry form and we will get cracking on your enquiry.
What Is A Loan & How Much Can I Borrow?
Before you make any financial commitment it is vital that you fully understand the ins and outs of what you are getting in to. We have lenders personal loans from £3,000 to £15,000 over 1 to 5 years terms & secured loan lenders offering larger loans from £3,000 to £150,000 with terms from 3 to 25 years so you can spread the payments to suit your budget. You can be confident that by coming to us to secure your large loans you have chosen a company who can deliver - we have been established for 30 years and have already arranged over £1 billion in loans for any purpose. It is part of our duty of care to make sure you have made an informed choice. Loans with longer terms (3 to 25 years) and larger amounts will normally require you to provide some security. Our large loan providers who provide finance of up to £150,000 offer secured loans rates from just 5.3% APRC to 32% APRC for those with multiple recent items of bad / adverse credit. These are secured on your home and the first key item is that they require you to be a homeowner or mortgage payer. The loans carry the same risks as a mortgage.
So, What Actually Is A Loan?
Well, In basic terms a loan is an arrangement in which a lender loans money to a borrower and the borrower agrees to repay the money, almost always with interest on top, over a set period of time. Generally larger loans have lower interest rates, subject to your credit position of course.
Loans can range from a few thousand pounds all the way up to millions depending on the circumstance and whether the borrower fits the criteria. It seems like simple stuff, but it starts to get slightly more complicated when you add in different interest rates and differing products from the lenders. If when you come to this point it starts to get a little mind boggling then give us a call on the above number and one of our knowledgable finance team members will talk you through it.
Fortunately for you we have spent 25 years perfecting our craft in the industry and have established ourselves as specialists for arranging large loans for both perfect credit history just as much as for clients with less than ideal, or adverse credit. This is because through our experience and knowledge of the market we have built semi exclusive relationships and deals with certain lenders that deal predominantly in large loans.
If you have; CCJs/ Arrears/ Missed Payments or even if you are a discharged bankrupt you may have been told that you won`t be able to secure any finance, never mind a large loan but that isn`t always the case. Here at First Choice we aim to provide our clients with an option at every turn. Even managing to secure loans for people that have had, CCJs and arrears in the last 6 months. Sound too good to be true? Well, give us a call on the above number and let us see if we might be able to obtain you the capital you need for the next stage of your life. Once we have arranged a large loan for you it really can be used for any purpose.
Large Loans Quotes With No Credit Check
When it comes to borrowing money the lenders must be careful not to provide large loans that are unaffordable for the clients and they can stipulate what kind of borrower they would like to lend to. Basically, they provide criteria that you must fit and more often than not the criteria will have some kind of credit check that you have to pass. Like we mentioned earlier having adverse credit like a default or missed payment doesn`t always guarantee a fail on the lenders criteria. That is why it is best to speak to one of our loan team on the above number who will be able to guide you through the lenders criteria maze before you write yourself off.
However, on occasion even our knowledgeable staff will not be able to find a lender where you will pass their criteria. If this is the case then you may not be able to borrow as much as you feel a large loan might constitute. Although we must remember, size isn`t everything and what one person thinks is a large loan another may not. Fortunately we can give you access to Guarantor loans lender that can enable you to borrow up to £10000 and they do not rely on your credit file at all. If you think that a loan of that value is large enough to help you along with your finances then fill in our short form and we will call you to try and get that loan arranged.
Large Loans Calculator
If you feel like you are fairly clued up on large loans and would like to see what it might cost you then head over to our loan repayment calculator. Our calculator allows you to calculate and break down the monthly repayment figures. You can choose the loan amount, interest rate and loan term. This will help you get a general idea of what you may be able to afford. Our calculators are equipped to deal with even the largest of loans and enable you to see the impact on your cash flow of consolidating your debts through a large loan, so feel free to test them out.
Don`t have time to work it all out yourself even using our loan repayment calculator? Don`t worry one of our in house finance team would be more than happy to do it for you and can give you a free personal quotation. Just fill in our short form from the top of this page or give us a call on 0800 2983000 (landline), on 0333 0031505 (from a mobile).
Yes we have numerous loan options for people with bad credit, all the way up to £150,000, as well as mortgage and remortgage options for people with bad credit up to £1,000,000. Our team of mortgage and home loan experts are here to serve you. You are not only a client, but you are treated like family. Our UK loan specialists understand the reality of the tough financial times and conditions facing many of us. We will work hard to get you the large loan you require to achieve your goals.
What Is A Credit Profile?
A credit profile is something that lenders use to identify the risks of lending to a specific individual, your credit profile paints a picture of your borrowing habits and how good you are at repaying your debts and meeting your financial obligations past and present. It is a good idea to use a free credit profile tool or the statutory £2 equifax search occasionally to check where you currently stand with your loans and other credit items.
Your credit profile stores a number of different types of data on an individual:
Public Record Data
Large Mortgage Loans
When you fall in love with a new home, that loft conversion, conservatory or holiday home you can be utterly smitten, but you may well need to look into large mortgage loans in order to achieve your dream. Fortunately, First Choice Finance is on hand to get the funds sorted.
The Royal Institution of Chartered Surveyors (Rics) and building societies Nationwide and Halifax all indicate that growth in house prices in the middle of 2013 was showing strength not seen since before the financial crisis, with homes in London being the most expensive, but many areas are affected.
That`s why we`re able to help you achieve large mortgage loans from £10,000 to convert your garage up to £1.5 million in order that you can buy the designer penthouse that you desire or large family home with garden that your growing brood needs to expand into.
We can provide a range of home loans regardless of your credit history as we have access to multiple lending plans.
That means we have access to lenders representative of the whole of the market and can give you specialist advice, unlike traditional lenders and comparison sites, which can generally offer their own standalone lending or tables for you to then sort the mortgage yourself respectively.
The process is a simple one too – just talk through your requirements and relevant details and we`ll do the hard work for you, before presenting you with a no-obligation free personal quote, which you`re free to accept or decline, no pressure either way.
Find out more about securing large mortgage loans that offer you suitable terms to get the funding you need at firstchoicefinance.co.uk or by calling 0333 003 1505 from a mobile or 0800 298 3000 from a landline.Get 90% Mortgage Plan - 90% Mortgages Available, No Obligation Mortgage Advice.
Would Bad Credit Affect Me Getting Approved For A Large Loan?
Bad credit will limit the number of bigger loan plans available to you, but it does not mean that you cannot get a large loan. Being approved depends on your whole scenario and reasons behind it, not just any bad credit items.
How To Get A Large Loan?
Banks, Building Societies, Specialist loan providers, mortgage providers and homeowner secured loan lenders all offer large loans. Loans over £30,000 are often going to need some sort of security for the lender, usually a property.
Can I Get A Loan For £100,000?
Borrowing a hundred thousand pounds is possible via a number of routes but will usually require a house, flat or business as security for it. Similar to the case with mortgages when buying a home, remortgaging your house or using equity release - this if for when older people wish to take money out of their property but not make repayments in their lifetime.
What Is The Largest Amount Of Money I Can Borrow?
Most lenders look at affordability when deciding how much a person / persons can borrow. This is not just based on how much you earn, bigger earnings may also be associated with bigger outgoings. So the maximum you can borrow is based on how much you can afford to pay each month after you have met any other bills / loans / credit card / mortgage payments you are already committed to. If you qualify for lower rates you may be able to borrow a larger amount because the lower rate will bring the monthly repayments down.
Can I Borrow More With A Joint Loan?
Joint loan applicants can often borrow more money. This is because there is usually a larger pool of `combined income` to meet the loan repayments and there is the added benefit to the lender that if one of the applicants is not able to meet the loan payments (due to loss of income etc) then the other applicant can hopefully step up and meet the agreed commitment.
Homeowner Secured Loans
7.1% APRC Low Rate Loan.
Borrow £30,000 over 180 months.
24 payments of £243 at 5.25%
then 156 payments of £240
at 5.00% (variable). Total payable
£46,440 with a £2,975 intermediary
fee and £455 in lender fees.
Borrow 30,000 over 72 months
@ £679.90 repayments.
Total payable of £49,949.
20.1% APRC including
£2,975 intermediary fee
and a £995 lender fee.
Think Carefully Before
Securing Other Debts
Against Your Home.
Your Home May Be
Repossessed If You Do
Not Keep Up Repayments
On Your Mortgage.
Security Is Required On
Borrowing Is Subject To
Status & Affordability.
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
First Choice Finance is a trading style of First Choice Funding Limited of The Old Courtyard, 103 Buxton Road, High Lane, Stockport, Cheshire. SK6 8DX. Copyright protected 2014-2018.
Your questions on?poor credit mortgages?answered by a qualified mortgage adviser at First Choice Finance with access to specialist mortgage plans we may be able to help where the high street banks have failed.