| Loan Amount Loan Amount - This is the amount that you have asked to borrow. | £ 0 | |
| Loan Term Loan Term - This is the full term that the loan can run for. | Years | |
| Interest Rate Interest Rate - This is the amount of interest that will be charged annually. | 6.65 % | |
| Loan To Value (LTV) Loan To Value (LTV) - This percentage is worked out by adding the first charge mortgage and second charge loan together and then showing it as a percentage of the property value. This percentage shows the amount of equity being used in your home. | NAN % | |
| 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 - The lenders charge this fee, which gets added to the gross loan amount. | £ 595 | |
| Gross Loan Amount Gross Loan Amount - This value is the total loan facility and is what the interest rate is applied to when calculating monthly charges. This is the total sum of the loan amount, broker fee and lender fee. | £ 595 | |
| Total to Repay (if full term) Total to Repay - If the loan runs full term with all payments made on time this is the total cost to pay it back. If paid earlier however, this value will be reduced. | £ nan | |
| Interest Only Interest Only - This value is taken by working out the monthly interest of the Loan amount and is the interest only repayment figure. | £ 0 | |
| APRC APRC - Annual percentage rate of charge is a more comprehensive repayment value. It includes not only the loan's interest rate but also any extra fees or charges tied to the loan, such as arrangement fees or insurance expenses. | nan % | |
| Monthly Repayment Monthly Repayment - This is the amount to be paid each month based on the terms of the loan and includes interest and capital payments. This value varies depending on credit history and LTV. | £ inf |
The minimum you can borrow is £5,000
Please update the amount you wish to borrow.
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!”
We can provide you with a secured loan that has the most competitive interest rate available in the market, based on your personal circumstances.
We charge a broker fee of up to 10% of the loan advance which is capped at £4,000. We may also receive a commission from the lender. Any fees or commission paid to us will be fully disclosed.
We are only renumerated if you are happy with the loan that we find, and you then take it out.
Over the last 3 months our interest rates have ranged from 6.2% pa pa to 13.4% pa *
The average interest rate that we have provided during this time has been 8.31% pa *
* For loans that we have completed between 1st July 2024 and 30th September 2024
"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 R
The 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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