Total Balance Outstanding Total Balance Outstanding - This is the amount of outstanding debt you wish to write off with us, rounded to the nearest £100. | £ 0 | |
Current Total Monthly Repayments Current Total Monthly Repayments - This is the amount currently being paid each month in repayments. | £ 0 |
Additional Funds Additional Funds - This is the amount of additional funds you would like to raise with us. | £ 0 | |
Total Loan Amount Total Loan Amount - This is the sum of both the outstanding balance and the additional funds you wish to raise. | £ 0 | |
Loan To Value (LTV) Loan To Value (LTV) - This is the ratio of the total loan amount to the property being used as security expressed as a percentage, after the remaining mortgage balance is added to the total loan amount. | NAN % | |
Annual Interest Rate Annual Interest Rate - This is the amount of interest charged annually for the loan. | 6.65 % | |
Broker Fees (10%) Broker Fees - The broker fee is added to the net loan amount required along with the lender fee below and is then illustrated as the Gross Loan Amount. We charge a broker fee of 10% of the ‘Loan Amount Required’ which is capped at £3,950. | £ 0 | |
Lender Fee Lender Fee - This is the fee charged by the lender and is added to the gross loan amount. | £ 595 | |
Gross Loan Amount Gross Loan Amount - This value is the sum of the total loan amount and the other fees mentioned above. This is the total value to be paid off. | £ 595 |
Term | MonthlyRepayment | Total Payback(if full term) | APRC |
---|---|---|---|
3 Years | £ 18 | £ 658 | inf% |
4 Years | £ 14 | £ 679 | 1051298908708477568327738695935795096525072829760220163183898749997782428676752931662425841674355740387075178135532131047421942267688582591037489524765011200625355255886624871822172336687686155333756073022554521047349821872803991614504969000484183620739476793948049228878372143104.0% |
5 Years | £ 12 | £ 701 | 32981637608197559143083028996542162803359804651793348743014478816331806471504097478618222208626844417459280916521558347175636266223253119429788188546057281858053842796372595082683139403534589579407980936712227696413660676096.0% |
6 Years | £ 10 | £ 723 | inf% |
7 Years | £ 9 | £ 746 | inf% |
8 Years | £ 8 | £ 769 | 353674382547256908773338145815717866646937057235108561667121196678278377560642204022200808910307522184585360788366117717156294768240088884089345897017930460010887771848242754319562102886099345503084146327635680395765646920746514269726404712162009876571611373112138661660500951040.0% |
9 Years | £ 7 | £ 792 | 52338916548190164867244726860079376146066786250277126968839438392354695859001314421290545026095374990780474059583715092474790717533903967925737129554735400300586937443977434176358091337254063019765156752936765835504175689312467993227325284099817472.0% |
10 Years | £ 7 | £ 816 | 11345735823002487324098307564916099982764987750003119538950107425452309409010698468911125595594768770429795302470219996377927516533104553468076778975601699314254221299907914296127328105834030492795914286919020831858791284736.0% |
11 Years | £ 6 | £ 840 | inf% |
12 Years | £ 6 | £ 865 | inf% |
13 Years | £ 6 | £ 890 | inf% |
14 Years | £ 5 | £ 916 | inf% |
15 Years | £ 5 | £ 942 | 131042727746719673373591526640468223561293289552569093321705799046336311370571683746138598029224068529899123564439816601749308518192535460426404082208221938525879441414573236040560940065159610519075939363065294040127859897609836237131976727297319188236193214375895074559192739514050683931574927360.0% |
16 Years | £ 5 | £ 968 | 41565775733877670616004095354443033973853264154764998382494653721783475508103181684309209909301729521010204610459384496963709942586063638989506448678477290547666103197903758695724530331010811739815665809303201731911469994256481370143324481172094267474049552510915008020504117248.0% |
17 Years | £ 5 | £ 995 | 1971141591130202744156452121681473696811094631102052340737818797961126130415310428734993081705665797316940796305151675523215082041612475681712052106107049526562236071386907586245575315991011953929376888393871599636483516561283491452197695732716532151299740794880.0% |
18 Years | £ 5 | £ 1,022 | 6080550552043966574158202484181417182524826818155412255356470938357783049045374398778634600415989270202851242300957313082074120530736172712520002665654358935470511511954889836361034364132102614334874146675066828318795579756254135269063478659252224.0% |
19 Years | £ 5 | £ 1,049 | 631313734312803636277828591509958274376446245630833796886671164130142581614684695867727643123767525469461066380611454396431075260195250168201064866052378259653865906531883689654038787095715335472808751275707714544726974602269459218432.0% |
20 Years | £ 4 | £ 1,077 | 1301929578050218869413297877624956020700801136376430210660129288547295032662845441884442133409640845834646910632750065979166333074342810692919492901486958736043566304067764604364215634433392842806750657204416342445848002560.0% |
21 Years | £ 4 | £ 1,106 | inf% |
22 Years | £ 4 | £ 1,134 | inf% |
23 Years | £ 4 | £ 1,163 | inf% |
24 Years | £ 4 | £ 1,192 | inf% |
25 Years | £ 4 | £ 1,222 | inf% |
The minimum you can borrow is £5,000
Please update the amount you wish to borrow.
Use our easy to use consolidation loan calculator to list credit items you are thinking of clearing along with how much you pay per month on each one.
Add and remove items to see how much you are currently paying and how much you could reduce your monthly outgoings by.
You can also add in any extra funds that you may want to raise for home improvements, or any other purpose.
We only have very experienced, expert loan advisors
“Our experienced advisors will take the time to fully understand your requirements along with your own individual circumstances. Then taking into consideration many factors such as your income, equity available in your home, age, credit history, lender’s underwriting and available loan plan, will provide you with details of the best loan options available.”
“Experience of the different lenders is so important. Computer systems and AI just can’t offer this!”
Combine all your monthly outgoings into one lower and more convenient monthly repayment!
Consolidation loans can be used to clear:
A consolidation loan can reduce your monthly repayments by replacing your existing finance facilities with one that:
In addition to consolidating debts, you may also be able to raise funds for other uses.
For example: Consolidation and home improvements is the most popular use of a secured loan.
Cleared £128,000 of credit commitments and debts.
Monthly outgoings reduced by £981 per month
Cleared £70,500 of credit commitments.
Monthly outgoings reduced by £863 per month
Cleared £121,000 of credit commitments and debts.
Monthly outgoings reduced by £636 per month
PLEASE BE AWARE THAT BY CONSOLIDATING EXISTING BORROWING YOU MAY BE EXTENDING THE TERMS OF THE DEBT, AND INCREASING THE TOTAL AMOUNT YOU REPAY.
We take the hassle away from you, allowing you to relax, whilst our experts put your loan in place.
We have partnered with the best lenders in the UK. In addition to excellent service levels, knowledge and experience, we also have access to the best rates available for secured and unsecured loans.
We are specialist providers of secured loans
"Really helpful staff. Very friendly and efficient. If I could give more stars I would."
Adelle H"Always kept in touch during the process to let me know what was goiung on."
Lee D"If I ever need a service they offer in the future I will not hesitate to use them again."
Paul"Looked after me well and went above and beyond, would recommend."
Alan RThe Personal Finance Centre is a Finance broker and not a lender.
SECURED LOANS ARE SECURED AGAINST YOUR PROPERTY
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSES IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Initial Borrowing Rates from 6.2% pa. We also have a range of plans with rates up to 17.9% pa (variable), allowing us to help customers with a range of credit problems.
Secured Loan Representative Example: If you borrow £15,000 over 10 years at an annual interest rate of 8.83% you would make 120 payments of £213.72 per month. The total amount repayable will be £25,647.00 (This includes a lender fee of £595 and a broker fee of £1,500 which have been added to the loan). Total charge for credit will be £10,647.00.
Overall cost for comparison is 11.83% APRC representative.
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