How To Find A Cheap Loan
The rate you receive when you are looking for a loan is largely dependent on your credit rating and if you have a good credit rating there are many more plans available for you. You also have the option of either a personal loan or a home owner loan.
Their are many things that effect your credit rating including: repayment history of past or existing credit, employment status, and whether you are home owner also helps even for unsecured credit.
When looking for a cheap loan rate it is important to examine the loan market and compare the different loan providers & sites. Wise Buy could help you compare both secured loans & personal loans.
With a panel of secured loan providers and experienced underwriters we will try to find you the cheapest loan that suits your individual circumstances from our range of secured loans. Many of loans are specific to us and some providers offer us special rates some of which are cheaper than other providers.
The wise buy personal loan search examines many of the leading unsecured loan providers including leading high street banks. You are able to examine our loan table for cheap loans and find one that offers the cheapest loan rate. It is important to note that the rate you receive will depend on your individual circumstances and
the different loans will have different qualifying criteria which needs considering when you apply.
The home owner loans table below is split into
‘Good’, ‘Fair’ and ‘Poor’ credit profiles and you should use the
credit rating which closest relates to your
credit history. Remember that many people have a much better credit profile than they think, but
don't worry, if you're not sure we will offer the best
home owner loan plan that we can for your individual circumstances, in any case.
Please hover over the coloured boxes below to help establish which category may fit you.
   |
| Good – No missed or late payments on credit cards or loans. No mortgage arrears or CCJs. |
Lender |
Plan Rate |
Typical APR  |
Product Details |
 |
|
|
 |
11.24% APR |
Typical 11.7% APR |
 |
 |
|
11.24% APR |
Typical 11.7% APR |
 |
|
| Loan Amount Range (£) |
10,000 - 100,000 |
| Loan Type |
Variable |
| Maximum Loan To Value |
75% |
| Minimum Property Value |
80,000 |
| Plan rate based on |
26,000 over 120 months 75% LTV typical broker fee 8% |
| Total (only if loan runs full term) |
120 x £353.70 Total amount payable £42,444.00 |
| Term (months) |
60 - 300 |
| Minimum Age |
21 |
| Loan must complete by age |
75 |
| Self employed with Accounts? |
Yes |
| Self Cert for Self Employed? |
No |
| Parent company |
Principality Building Society |
' |
|
|
|
|
 |
13.83% APR |
Typical 15.9% APR |
|
|
|
13.83% APR |
Typical 15.9% APR |
|
|
| Loan Amount Range (£) |
5,000 - 100,000 |
| Loan Type |
Fixed for Term |
| Maximum Loan To Value |
80% |
| Minimum Property Value |
60,000 |
| Plan rate based on |
26,000 over 120 months 50% LTV typical broker fee 8% |
| Total (only if loan runs full term) |
120 x £388.58 Total amount payable £46,629.60 |
| Term (months) |
36 - 360 |
| Minimum Age |
18 |
| Loan must complete by age |
n/a |
| Self employed with Accounts? |
Yes |
| Self Cert for Self Employed? |
Yes |
| Parent company |
Ocean Finance and Mortgages Ltd. |
' |
|
|
|
|
 |
13.93% APR |
Typical 15.0% APR |
|
|
|
13.93% APR |
Typical 15.0% APR |
|
|
| Loan Amount Range (£) |
10,000 - 75,000 |
| Loan Type |
Variable |
| Maximum Loan To Value |
60% |
| Minimum Property Value |
100,000 |
| Plan rate based on |
26,000 over 120 months 60% LTV typical broker fee 8% |
| Total (only if loan runs full term) |
120 x £389.99 Total amount payable £46,798.80 |
| Term (months) |
60 - 300 |
| Minimum Age |
18 |
| Loan must complete by age |
70 |
| Self employed with Accounts? |
Yes |
| Self Cert for Self Employed? |
No |
| Parent company |
GE Money Home Lending |
' |
|
|
|
|
 |
15.73% APR |
Typical 18.7% APR |
|
|
|
15.73% APR |
Typical 18.7% APR |
|
|
| Loan Amount Range (£) |
5,000 - 100,000 |
| Loan Type |
Variable |
| Maximum Loan To Value |
80% |
| Minimum Property Value |
75,000 |
| Plan rate based on |
26,000 over 120 months 70% LTV typical broker fee 8% |
| Total (only if loan runs full term) |
120 x £414.73 Total amount payable £49,767.60 |
| Term (months) |
36 - 360 |
| Minimum Age |
18 |
| Loan must complete by age |
n/a |
| Self employed with Accounts? |
Yes |
| Self Cert for Self Employed? |
Yes |
| Parent company |
Blemain Group |
' |
|
|
|
|
 |
17.61% APR |
Typical 16.9% APR |
|
|
|
17.61% APR |
Typical 16.9% APR |
|
|
| Loan Amount Range (£) |
1,000 - 25,000 |
| Loan Type |
Variable |
| Maximum Loan To Value |
70% |
| Minimum Property Value |
50,000 |
| Plan rate based on |
25,000 over 120 months 60% LTV typical broker fee 8% |
| Total (only if loan runs full term) |
120 x £423.94 Total amount payable £50,872.80 |
| Term (months) |
12 - 180 |
| Minimum Age |
18 |
| Loan must complete by age |
n/a |
| Self employed with Accounts? |
Yes |
| Self Cert for Self Employed? |
Yes |
| Parent company |
Norton Finance (UK) Ltd. |
' |
|
|
|
|
|
OUR TYPICAL, VARIABLE RATE IS 17.9% APR. RATES RANGE FROM 11.9% to 29.9% APR
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE
OR ANY OTHER DEBT SECURED ON IT.
Loans Secured On Your Home |
WB 7339 - 75 17.07.09
