Leicestershire & Rutland Independent Financial Advisers & Mortgage Brokers

The Book of Loans

 

In 7 sections covering borrowing money, getting a loan or mortgage, remortgage or secured loan by full income proof or self cert whether repayment or interest only or split as well as equity release  and credit scoring. All advice and rate information is independent and comes from the whole of the market both domestic residential and commercial     business loans finance and leasing

  • Chapter 1 Mortgages Full advice and guidance on and where to get the best deal for you the consumer especially for: Gifted Deposit Purchases, Guarantor, First Time Buyer, BMV & BTL with lowest rates for fixed, capped, discount or tracker interest rates.
  • Chapter 2 Remortgages Impartial advice, all the pro’s and con’s of remortgage deals not just switches for   better rates but in depth study of debt consolidation and capital raising for home improvements or business purposes including refinancing and tax purposes with or without income proof.
  • Chapter 3 Secured Loans Home improvement loans are often secured and often replace further advances and are easily obtained from other various sources and can work out cheaper than remortgage even where people have adverse credit history or missed payments or mortgage arrears. These are also known as second mortgages and can also even be a third mortgage.
  • Chapter 4 Self Certification Declare your income or affordability where and when it is sensible though sometimes this incurs higher interest rates all the pitfalls of self-dec or self cert explained together with advice on accountant certificates and how to prepare projections and cash flow forecast
  • Chapter 5 Interest Only Clear warning of the dangers of interest only no repayment vehicle loans and explanations of how safely to use them to your benefit and keep payment low even with poor credit this can be used to budget whilst making regular payments for credit repair
  • Chapter 6 Equity Release Specialist advice for homeowners wanting to stay put and raise cash – this is a specialist regulated area of personal financial advice which at present we outsource to firms approved by Age Concern and SHIPS Safe Home Income Plans FSA Registered. Also news and views how to fight NPI and Barclays Shared Appreciation Mortgages SAM with links to SAFE Struggle Against Financial Exploitation
  • Chapter 7 Credit Score Test your own Credit Score here and learn how different banks, building societies, credit card companies, store card providers and anyone offering to lend money calculate credit worthiness Also learn how the credit crunch has changed lenders attitudes to lending and loan to value ratios LTV See also dealing with credit reference agencies Experian Equifax & Call Credit and free credit report from Credit Expert Experian.

 

Arrange without onligation, a chat with a qualified advisor at a time to suit you

 

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.