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Leave Me A Loan!
If you’re unlucky, you can find yourself responsible for paying off someone else’s personal loan debt – maybe following a death, or someone defaulting on loan repayments for which you were the guarantor.
If this happens to you, it’s worth checking out your options before simply accepting the payment terms you are faced with from the lenders. By talking to an independent personal loans adviser, you may be able to reduce the repayments through a debt consolidation loan, and/or agree more suitable terms through negotiation.
August 30, 2008 at 4:32 pm | personal loan | No comment
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Don’t Get Dragged Into Credit Crunch Blues
Everywhere I go at the moment, I hear people chewing over the bitter ingredients of credit crunch. It’s certainly a reality that has well and truly taken hold of every corner of financial affairs in every walk of life, but our typically British reaction could be causing an unnecessary amount of stress for many people.
It’s important to remember that, whilst everything inevitably effects everything else, every individual set of circumstances is different and you may not need to worry. Just because certain banks aren’t getting it right, doesn’t mean that you can’t still find a good personal loan deal to suit your requirements and ease you through these challenging times. A no-obligation chat with an independent expert could show you why worrying is pointless and set your mind at ease. Call 084456 210 150 to discuss your options.
August 28, 2008 at 1:34 pm | personal loan | No comment
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What Can I Take Out a Personal Loan For?
You can apply for a Personal Loan for pretty much any purpose at all (as long as it’s legal!) so it’s always worth making the call – even if your requirements seem less than conventional.
August 25, 2008 at 2:14 pm | personal loan | No comment
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Bridging Loan the Path to New Home
A bridging loan can be a saviour in securing the purchase of your dream home. It’s a short term personal loan to finance the purchase of your new property, when your funds are still tied up in your existing property. When you sell the old property, you pay the loan back. Simple really.
August 22, 2008 at 9:44 pm | personal loan | No comment
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Bridging Loans’s Diary
Consolidated all my daily calories allowance into one easy pub lunch today. Thinking of taking out another personal loan for a smashing handbag I’ve seen… they still fit me whatever I eat!
August 20, 2008 at 5:53 pm | personal loan | No comment
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Consolidation Loans Are NOT Evil!
Anyone who’s had to take time off work and foolishly decided to turn to daytime television for company will know just how relentlessly many personal loan companies continue to pump out terrible, patronising adverts portraying the glorious, fun-packed life you could be having with the help of a miraculous debt consolidation loan. It seems they can solve any problem in the world!
What these advertisers have failed to grasp is the fact that people just aren’t that stupid (and anyone who is stupid enough to be taken in by these ads is probably too stupid to turn on a TV so they’re missing their market anyway!)
Unfortunately, the perception of debt consolidation that has been created by such bad advertising is a negative one. Say “loan consolidation” to pretty much anyone, and they’ll probably start ranting about Carol Vorderman etc…
The reality, however, is that consolidation loans help an enormous number of people back to financial stability and actually offer a real opportunity to become debt-free. If negative advertising campaigns weren’t so hugely influential to public perception, I’d imagine that a lot more people would seek advice about this kind of personal loan and end their financial worries.
August 18, 2008 at 1:41 pm | personal loan | No comment
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Darling Bingo?
“Darling bingo” is, rather worryingly, an anagram of bridging loan! If you’re thinking of taking any kind of personal loan to finance your “darling bingo” playing, then DON’T!! If you’ve got financial problems, don’t think that gambling will fix them – it’s like cutting off a finger to plug a whole in your leg!
Get professional advice – it will see you properly on your way to regaining financial stability.
August 16, 2008 at 5:39 pm | personal loan | No comment
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What Can Be Used as Collateral For a Secured Loan?
The principle of a secured personal loan is fairly straightforward – the lender will grant you a personal loan for the agreed sum, provided that you can offer something of at least the same value to pledge as collateral (ie – something which they can take possession of if you fail to meet the agreed repayments on that loan).
It’s commonly thought that secured loans are only available to homeowners, but this is not the case. It’s true that in most conventional secured loan arrangements, a home or other property is used as collateral, but there are many examples of other valuable items being pledged as security against the loan. This could be your car, your jewellery, land… basically anything that at least matches the value of your loan which the lender is willing to accept as collateral.
So, don’t rule yourself out if you are not in a position to offer property against a secured loan – talk to a loans adviser and they may be able to offer you some good news.
August 14, 2008 at 1:34 pm | personal loan | No comment
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Weep For The Poor Estate Agents
With the happy-go-lucky days of the personal loan lender seemingly dead, estate agents are now feeling the pinch too, as the UK housing market finally starts to turn against them.
According to the Centre for Economics and Business Research, around 15,000 estate agents’ jobs could be lost this year.
Oh dear. Every cloud, etc…
August 12, 2008 at 5:24 pm | personal loan | No comment
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Secured Loans – Don’t Panic!
According to Moneyfacts.co.uk, the availability of secured personal loans is dwindling rapidly, and the last twelve months have seen eight lenders withdraw from the market.
There is no need to go out and do a good old fashioned bit of British panic-buying just yet though. There are still plenty of lenders out there willing to do business, it’s just a case of taking a cautious and well-informed approach to make sure you get the best personal loan deal possible. The help of a personal loan expert is highly recommended if you are not familiar with the market and its movements.
August 10, 2008 at 5:11 pm | Secured Loan | No comment
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