5 questions to ask yourself before taking out a loan
Here are 5 questions to ask yourself before you commit to any type of loan.
How to use a loan calculator
If you're wondering what a loan might cost you on a monthly basis, a loan calculator can be really helpful, giving you a 'ballpark figure'.
Loans to family - what's the catch?
Almost a third of us help our family and friends financially, providing loans and gifts worth an average of £442 per year. But is it always a good idea?
Loans: what do we owe? A ten-year perspective
Right now, we're carrying well over £200 billion of unsecured debt (not including our secured debts, like mortgages, which come to over £1.2 trillion). But where did we stand last year - or the year before?
Secured and unsecured personal loans - risks and benefits
A brief look at the risks and benefits associated with secured and unsecured personal loans.
Will claiming loan insurance damage my credit rating?
Claiming on your loan insurance won't damage your credit rating - in fact, it could protect it. Here's our guide to how it works.
Are loans available at the moment?
Getting a loan isn`t as easy as it used to be, but banks are still offering them and a lot of people are still managing to get them. So how easy is it, and how can you improve your chances?
Taking out a loan - things to consider
What are the most important factors when taking out a loan?
Comparing loans in the UK
If you`re looking for a loan, you`ll want the very best interest rate you can find for your circumstances. That`s one reason it`s important that you take some time to search the market and compare the various deals on offer.
How to get a loan in the credit crunch
Over the past two years or so, borrowing money - whether it`s a personal loan or a mortgage - has been a lot more difficult than it has been in recent years.
Debt consolidation loan calculator
Our loan calculator isn`t just for personal loans - it can also help you to work out how much your monthly repayments might be on a debt consolidation loan.
Are secured loans for homeowners still available?
In a word: yes. Secured loans are still very much available for homeowners - but that doesn`t mean every homeowner will be able to find one. If you`re looking for a secured loan, start by asking yourself these three questions...
Can I get a loan if I own a home?
If you`re looking for a loan, owning a home can make a big difference. Why? When you ask a lender about getting a loan, they obviously want to be sure you`re going to pay it back!
Loans: how the base rate affects availability
Anyone looking for a loan may have been pleased to see the raft of base rate cuts announced since October, hoping they'll help reduce the cost - and increase the availability - of loans. But how likely is that?
Secured loan rates
If a loan is `secured`, it means that the loan is secured against your home. That means that if you can no longer afford your loan payments, the lender can repossess your home (although this is generally a last resort).
Loan costs & the base rate
When the Bank of England's base rate comes down, why don't loan costs come down at the same rate? The simple answer is: the loan markets aren't ruled by the base rate.
Secured loans & the base rate cuts
Why aren`t secured loans coming down in price? As the Bank of England cuts its base rate again and again, many would-be borrowers are asking why lenders aren`t passing these cuts on to borrowers in the form of cheaper - and more readily available - secured loans.
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