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Click Here Low APR Personal Loans | Shrink Your Debt's Blog
Loans are subject to status and are not available to under 18's
or to non-UK residents.
is registered with The Office of Fair Trading.
Consumer Credit Licence (CCL) No:
Office: See address
Mortgage advisers handling your enquiry are registered with The
Mortgage Code Compliance Board.
MCCB Number: 5447866
Secured loan advisers handling your enquiry are registered with
the Finance Industry Standards Association (FISA)
FISA Nimber: 21541802
Mortgages
A mortgage on your home is required and some lenders may require
insurance.
Representative examples
Type of mortgage |
Initial rate |
Standard variable rate at start |
APR |
Monthly payments |
Application / administration fee |
Total amount payable |
Early repayment charge |
 |
| Variable rate |
5.75% |
5.75% |
7.7% |
300 at £287.50
|
Nil |
£146,884.00 |
3 months interest at the variable
rate during first year
|
| Fixed rate |
5.39% |
5.00%
(bank base rate plus 1.00%) |
5.6% |
59 at £426.71 followed by 241
at £395.83 |
£399.00 |
£218,153.92 |
7% of the amount redeemed until 28th
Feb 2003, 6% until 28th Feb 2005 and 5% until 28th Feb 2007,
plus £100 administration fee
|
| Discounted rate for 1
year |
4.80% |
5.80% |
6.0% |
12 at £240.00 followed by 288
at £290.00 |
£300.00 |
£147,220.00 |
Repayment of the discount received
during first 2 years
|
Bank base rate, currently 4.00%, plus
1.00% until 2nd Sep 2008
|
5.00% |
5.95% |
5.6% |
80 at £250.00 followed by 220
at £297.50 |
Nil |
£146,130.70 |
Nil |
Capped rate until 1st Nov 2004
|
5.99% |
5.75% |
6.7% |
33 at £299.50 followed by 267
at £287.50
|
£295.00 |
£147,555.00 |
Nil |
Representative examples assume the following:
 A mortgage loan of �60,000 to purchase a property valued at �100,000
over 25 years (300 monthly payments). Rates are variable except
for any period during which a fixed rate applies.
Estimated
legal fees (including Land Registry fees) of �250 and sealing fee
of �75.
For
fixed, capped and discounted rate mortgages, it is assumed that
the fixed / capped / discounted rate applies for the period of the
fix / cap / discount, and that the rate then reverts to the standard
variable rate applying at the commencement of the mortgage. In fact,
the standard variable rate is likely to have changed by the end
of the fixed/capped/discounted rate period.
Home owner
loans
The following information is intended to give you an idea of how much
it would cost you to borrow the amount you require*. Look down the
left to find the amount you want to borrow then look along the top
to see the length of time you wish to repay the loan over. Your monthly
repayments are in the box that intersects your chosen row and column.
But please remember this is only a guide. You can call our experienced
advisers at any time for assistance.
| APR |
Borrow |
60
months |
90
months |
120
months |
180
months |
240
months |
300
months |
|
| 7.9% |
£50,000 |
1006.00 |
732.26 |
598.00 |
468.50 |
408.00 |
375.00 |
| £45,000 |
905.40 |
659.03 |
538.20 |
421.65 |
367.20 |
337.50 |
| £40,000 |
804.80 |
585.81 |
478.40 |
374.80 |
326.40 |
300.00 |
| £35,000 |
704.20 |
512.58 |
418.60 |
327.95 |
285.60 |
262.50 |
| 9.7% |
£30,000 |
627.65 |
464.79 |
385.50 |
310.31 |
276.43 |
258.70 |
| £25,000 |
523.05 |
387.32 |
321.25 |
258.59 |
230.36 |
215.58 |
| £20,000 |
418.44 |
309.86 |
257.00 |
206.87 |
184.29 |
172.46 |
| 11.4% |
£17,000 |
368.64 |
277.17 |
233.06 |
191.98 |
174.13 |
165.20 |
| £15,000 |
325.27 |
244.56 |
205.64 |
169.40 |
153.65 |
145.76 |
| £12,000 |
260.22 |
195.65 |
164.51 |
135.52 |
122.92 |
116.61 |
| £10,000 |
216.85 |
163.04 |
137.09 |
112.93 |
102.43 |
97.17 |
| 12.9% |
£9,000 |
201.24 |
153.24 |
130.31 |
109.34 |
100.53 |
96.31 |
| £8,500 |
190.06 |
144.73 |
123.07 |
103.26 |
94.95 |
90.96 |
| £8,000 |
178.88 |
136.22 |
115.83 |
97.19 |
89.36 |
85.61 |
| £7,500 |
167.70 |
127.70 |
108.59 |
91.12 |
83.78 |
80.26 |
| £7,000 |
156.52 |
119.19 |
101.35 |
85.04 |
78.19 |
74.91 |
| £6,500 |
145.34 |
110.67 |
94.11 |
78.97 |
72.61 |
69.56 |
| £6,000 |
134.16 |
102.16 |
86.88 |
72.89 |
67.02 |
64.21 |
| £5,000 |
111.80 |
85.13 |
72.40 |
60.74 |
55.85 |
53.51 |
* These illustrations are based upon assumed
APR's,which may not necessarily be applicable at the time of applying
for a loan.
Typical example: A loan of �10,000 over 60 months = �216.85 per
month. Total amount payable �13,011. APR 11.4% variable.
For loans over �50,000 please call a loan adviser.
All loans subject to the lender's underwriting criteria and applicant's
status.
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