01603 216881
Secured Loans
Secured Loans
Advice on Secured Loans
Secured Loans have been a very popular addition to our range of products. We now have one of the largest lender panels in the UK designed to cater for and meet the needs of our customers.
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Typically, we would go to the secured loan market if the conventional mortgage routes failed. This could be the purpose of the loan (such as buying a property abroad), affordability fails or recent or historical credit impairment. We also use secured loans as a stepping stone process to get people with CCJs, defaults, IVAs or bankruptcy back in to a credit worthy position.
Our market position is ideal as we have access to almost all the lenders in the market. This means we can get you the best possible terms given your circumstances. We package your case and deal before sending it to the chosen lender to pay out. We deal with finding the right lender, credit checking, instruct valuations, obtain consent and maximum liabilities from your existing mortgage provider, get
the land registry report and handle all the paperwork for you.
It sounds complicated and it is however we make the whole process simple.
We have ample experience in helping clients find secured loans for their needs. Whether you are using the money to remodel your home, make a major purchase or pay off other debt, chances are, there is an option out there for you. Call us today on 01603 216881 to start your enquiry.
Think carefully before securing other debts against your property. The total to repay these debts may be considerably more.
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.
For residential, consumer BTL and business BTL
Your consultation is obligation and cost free, as is looking at any recommendation we may offer. We do not always charge a fee. This depends on your circumstances. When we do charge fees we take into consideration the commission we receive from the lender. Please check the Key Messages provided to you for the basis on which we charge fees. It will also be explained to you by your adviser. All fees in all circumstances are discussed with you and put in writing prior to any application being made. Our charge to advise and arrange your mortgage is £695. We deduct any lender commission expected from this fee. If the lender commission exceeds £695, we will not charge you at all. For example, if we receive £600 from the lender, we will levy a charge to you on completion of £95. We do not charge for setting up life assurance, critical illness, income protection or other insurance.
For 2nd charge (secured loan) business, Representative APRC 7.5% Variable.
Representative example: Annual interest rate of 6.9%, Representative 7.5% APRC Variable. Based on borrowing of £80,000 over 240 repayments of £631.06. Total amount repayable £151,824.40. Includes lender fee of £495 and broker fee of £1,500.
Charwin Private Clients are authorised and regulated by the Financial Conduct Authority. Our firm’s number is 498486. You can check our details on the FCA register by clicking here.
Our trading address is Holland Court, The Close, Norwich, NR1 4DY. Tel: 01603 216881 || Fax: 01603 216885
Registered in England No: 06628612. Registered office: Holland Court, The Close, Norwich, NR1 4DY. This site is only directed at persons within the UK.
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