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Loans
Looking for a cheap loan? Need to find some money to pay off credit cards or other debts? Maybe you want to get car finance? Whatever reason you're looking for a loan, you'll find what you need here at Finance Locator.
We specialise in finding great deals on loans and mortgages for people in the UK exactly like you. Our loan partners scour the UK finance market to find the loans that suits your circumstances best, whatever they might be. Even if you have bad credit (like a CCJ or default); if you're self employed and need to self-certify your income; or if you need to borrow more than the value of your home. We can still help you regardless.
We can find secured loans from £1000 all the way up to £250,000. If you're a tenant or own your home outright, you can still borrow up to £50,000 with an unsecured loan. What's more, any loan application you make via us is totally free - you don't get charged a penny.
Loans Articles
Spring Clean Your Finances
It's always worth having a bit of a spring clean of your finances every few months and coming up to April (the 4th month since our New Year clear out), we thought it high time to make sure you aren't overspending in any area of your life.
Read on...
Home Improvement Loans
Moving house can be an incredibly stressful and expensive time, and it seems that more and more people are opting to improve their homes instead of upping sticks and moving to a different house.
Read on...
Joint Loans
If you are in a relationship or married, you are eligible to apply for a joint loan together. Joint loans are one way to raise finance for any purpose you require. You can apply for a loan on your own, however you are more likely to be eligible to borrow a larger amount of money if it is a joint application. This is because the lender will determine how much money to offer you according to your income. If the income is a joint one, it'll be larger than a single salary.
Read on...
Joint Mortgages
With property prices on the increase, it can be difficult for some people to make that initial move and buy their first property. It's not such a problem for married couples or those who are co-habiting as they can apply for a joint mortgage. By combining both the applicants incomes, you will generally be given a bigger mortgage than if you were buying singly. A joint mortgage also means it could be easier to save up an initial deposit, if there are two of you doing it as a joint venture.
Read on...
Why do people transfer their mortgage?
A mortgage is a major financial burden, but hopefully a great investment too, as property usually increases in value over the years. Because most people repay their mortgage back over a long period (the average repayment term is 25 years), it is definitely good practice to keep reassessing and checking on the suitability of your mortgage as the property market alters, just as your personal circumstances will over this extended period of time.
Read on...
More Loans Articles >
- How Much Can I Borrow With A Loan?
- Credit Scores
- Bigger Loans Could Work Out Cheaper
- New Year Resolutions: Start Saving
- New Year Resolutions: Get Out of Debt
- Saving for your retirement: Pension or ISA
- Plan for a financially Happy New Year
- Mortgage Exit Fees
- The bad deals in the world of finance
- Loans: How long will it take to get my loan
- Loans: How much can I borrow
- Types of Loan Purposes
- Loans: The Do's and Don't's
- A Guide to the Different Mortgages Available
- Reducing Monthly Outgoings
- Christmas Loans
- Loan Payment Holidays
- What you need to know about Current Accounts
- Don't waste your hard earned cash
- How to Deal with Interest Rate Changes
- Why Choose A Secured Loan for Debt Consolidation?
Loans News
Personal Tax Allowance increase due - Tue 13 May 2008
The UK's current Chancellor, Alistair Darling has revealed to the nation that the Personal Tax Allowance (PTA) for everyone is to be raised this year.
Read on...
Interest Rates Kept at 5% mark - Fri 9 May 2008
The Bank of England had its monthly meeting yesterday and announced at midday that after evaluating the current financial economy, they were going to keep the base interest rate at 5%.
Read on...
Money News - Fri 2 May 2008
The UK saw a small increase in the number of individuals declaring insolvencies according to The Insolvency Service. The Insolvency Service administer and investigate insolvencies along with offering information to the public with regards to it.
Read on...
Credit Card Fraud worse than expected - Wed 23 Apr 2008
Data detailing the amount of credit card losses through fraud in 2007 amounted to over £290 million. However after an investigation performed by the BBC there are now worries that this figure was drastically underestimated by as much as £500 million.
Read on...
Credit Card costs rise - Fri 18 Apr 2008
Whilst it seemed like a good idea 2 years ago for The Office of Fair Trading (OFT) to get banks to cap their credit card charges at £12, it has now emerged that customers who have them and use credit cards are actually paying more overall anyway.
Read on...
More News Items >
- Interest Rates Reduced to 5% - Thu 10 Apr 2008
- Mortgages more difficult to get - Fri 4 Apr 2008
- Debt Charities warn borrowers on bad loans - Wed 26 Mar 2008
- Mortgage Pressures for First Time Buyers - Thu 20 Mar 2008
- The Budget at a Glance - Thu 13 Mar 2008
- Stamp Duty for first-timers - Mon 10 Mar 2008
- Base Interest Rate stays at 5.25% - Thu 6 Mar 2008
- Overdraft Fee Refunds in 2007 - Wed 5 Mar 2008
- New IVA Rules - Mon 25 Feb 2008
- Number of cheques written falls - Thu 14 Feb 2008
- Bank of England cuts interest rates - Thu 7 Feb 2008
- Are Sick Days Good For Us? - Thu 31 Jan 2008
- Reduction of Mortgage Approval rates - Wed 30 Jan 2008
- Debt Free by 50 - Tue 22 Jan 2008
- Will Northern Rock be nationalised? - Wed 16 Jan 2008
- The End of Free Banking? - Mon 14 Jan 2008
- No change for Interest Rates - Fri 11 Jan 2008
- Hiding debt from partners - Thu 10 Jan 2008
- Debt Awareness Campaign - Wed 9 Jan 2008
- Changes in the housing market announced by the CML - Tue 8 Jan 2008
- Credit Culture - Mon 7 Jan 2008
- Another drop in mortgage approvals - Fri 4 Jan 2008
- Savers suffer as rates drop - Thu 3 Jan 2008
- Latest House Price News - Wed 2 Jan 2008
- More complaints against Banks - Sat 29 Dec 2007
- HIP's required for all homes - Fri 14 Dec 2007
- Ban Unwanted Christmas Gifts - Wed 12 Dec 2007
- Banks reveal bad debt write-offs - Mon 10 Dec 2007
- Halifax and Nationwide cut rates too - Fri 7 Dec 2007
- Interest Rates down to 5.5% - Thu 6 Dec 2007
- Lack of funds for UK mortgage lenders - Wed 5 Dec 2007
- The Bank of Mum and Dad - Tue 4 Dec 2007
- Are You Facing A Mortgage Increase? - Mon 3 Dec 2007
- Change with cheques - Tue 27 Nov 2007
- Loans and mortgages the Tesco way - Mon 26 Nov 2007
- Foreign Currency Loans - Thu 22 Nov 2007
- Financial Services Authority Gets Tough - Tue 20 Nov 2007
- The New Post Office Christmas Club - Fri 16 Nov 2007
- Mis-sold PPI's case goes to court - Thu 15 Nov 2007
- Investments with a clear conscience - Wed 14 Nov 2007
- Pension payouts dependent on postcode - Mon 12 Nov 2007
- Abbey fixes its arrangement fee at a mere £9,999 - Fri 9 Nov 2007
- The true price of Payment Protection Insurance - Wed 7 Nov 2007
- Credit Cards Pay for Christmas - Tue 6 Nov 2007
- House values predicted to fall in 2008 - Mon 5 Nov 2007
- Number of bankrupties has fallen - Fri 2 Nov 2007
- New Government Scheme to offer financial advice - Thu 1 Nov 2007
- Credit Card Refunds Reviewed - Wed 31 Oct 2007
- Pound increases its strength against the dollar - Tue 30 Oct 2007
- Mortgage lending on a downward slide - Mon 29 Oct 2007
- More homes needed in UK - Fri 26 Oct 2007
- Sell your property the open house way - Thu 25 Oct 2007
- Short ended Fixed Rate Mortgages - Wed 24 Oct 2007
- Credit Crunch Hits Mainstream Markets - Tue 23 Oct 2007
- Long Term Fixed Rate mortgages - Thu 18 Oct 2007
- Finance sector needs to act greener - Wed 17 Oct 2007
- Cosmetic Surgery Finance - Tue 16 Oct 2007
- House prices are definitely falling - Mon 15 Oct 2007
- Money - the big Taboo - Fri 12 Oct 2007
- Chancellor's pre-Budget Report - Wed 10 Oct 2007
- Mortgage Lending Becoming Static - Tue 9 Oct 2007
- Problems if house prices fall - Mon 8 Oct 2007
- Interest rates stay the same - Fri 5 Oct 2007
- What Are Offset Mortgages? - Fri 5 Oct 2007
- Mortgage market less profitable - Wed 3 Oct 2007
- Minimum Wage and Annual Leave Raised - Tue 2 Oct 2007
- New Guarantee Will Protect Savings - Mon 1 Oct 2007
- Drop in Mortgage Approvals - Fri 28 Sep 2007
- House prices still increasing - Thu 27 Sep 2007
- Bank of England announces loans auction - Wed 26 Sep 2007
- Post Office to launch loans - Tue 25 Sep 2007
- Tax Deadline Close - Fri 21 Sep 2007
- Abbey offers 125% mortgage - Thu 20 Sep 2007
- A Slow Down for Mortgage Lending - Wed 19 Sep 2007
- Only 1 in 10 Chance of House Price Crash - Tue 18 Sep 2007
- Bank of England Guarantees Northern Rock Deposits - Tue 18 Sep 2007
Find A Cheap Loan
Homeowners and tenants alike can find a fantastic loan deal here at Finance Locator. Simply fill out our simple two minute application to receive your no-obligation loan decision.
(Just start with the three simple questions on the left!)
The process is this: depending on your individual circumstances, we pass on your details to one of our loan or mortgage partners. Each lender we work with is a leading UK company, so you know you're in safe hands.
Our partner finance companies search the market for a deal that's right for you. They'll then contact you with the details of the lowest rate loan they can find. Simply consider the loan offer, and decide whether to accept!
If you do want to proceed, the loan lender will send you the paperwork. This is normally very simple for unsecured loans, and typically more involved for secured loans and mortgages. The sooner you return that paperwork the sooner you'll receive your funds.
And of course, if you decide not to proceed you haven't lost a penny! There're no upfront loan fees and no obligation to accept any loan offer.
You can get a loan for almost any reason, whether personal or business-related. For example, you might want to do some home improvements, borrow some capital to keep your business mobile, or perhaps to borrow to pay for gifts at Christmas.