Confident Loans
Confident Loans offer secured, personal homeowner loans for use on home improvement and debt consolidation. Apply online in the UK today with our simple loan Application form.
personal secured loan, home improvement loan, debt consolidation loan, homeowner, online, UK, secured loan, loan application
Home | About Us | Loan calculator | Apply Online | FAQ`s | Terms and Conditions | Contact Us
personal secured loan, home improvement loan, debt consolidation loan, homeowner, online, UK, secured loan, loan application
Home | About Us | Loan calculator | Apply Online | FAQ`s | Terms and Conditions | Contact Us
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What is a secured loan?

It is a loan that is secured on your property, which is also known as a second charge if you already have a mortgage.

How much can I borrow?

Loan amounts are available from a minimum of £5000 to a maximum £250,000. The amount you may be able to borrow will be dependent on your income and the amount of equity within your property.

Over how long can I spread my loan?

This is called the Term of the loan. There is a choice available to you from 3 years up to 30 years. Please speak to your Personal Loan Advisor for more details.

Are fixed interest rates available?

This is dependent on the amount you are borrowing, and the chosen lender. Fixed rates of interest may be offered for some if not all of the term. Please speak to your Personal Loan Advisor for more details

What happens if I already have CCJs or mortgage arrears?

We use a range of lenders to try and cater for everyone’s needs, thus offering a wide range of plans. We will endeavour to help you even if you find yourself in difficult circumstances.

What happens if I am made redundant or I am ill during the term of the loan?

Don’t Worry! We offer optional protection packages, which include accident, sickness, redundancy and life cover so you can borrow with Confidence. Please speak to your Personal Loan Advisor for more details.

Is the Online application secure?

Yes. It is transferred to us via a secure online server. We also deal with your application in the strictest confidence and will not contact your employer, bank or any other third party without your prior consent. Apply Online

How can I spend the money?

Almost anyway you can think of! Anything from home improvements to a family holiday, we are happy to help. Please speak to your Personal Loan Advisor for more personalised information.

What if I want to settle the loan early?

Depending on the size and duration of the loan agreement, you maybe required to pay an early settlement fee. For loans of less than £25,000.01 the early settlement figure will be calculated in accordance with the Consumer Credit (Early Settlement) Regulations 2004. Please speak to your Personal Loan Advisor who will be able to give you more information once a lender has been selected.

What happens if I want to move house?

Its simple, just pay the outstanding balance of the loan from the proceeds of the house sale, or alternatively, we may be able to transfer the loan to the new property.

Will I be able to borrow more money in the future?

Please speak to your Personal Loan Advisor and we will happily supply you with a quote for a further advance.

How long will the loan take to process?

It usually takes between 2 – 4 weeks depending on any factors affecting your personal application, including how long it takes for you to provide us with the documentation required to complete your loan.

Is there a fee for the loan?

We operate a no loan – no fee policy, and we will only claim a fee of up to a maximum of 10% of your loan value upon completion. Please note that we do not charge any upfront fees when we arrange a secured loan for you. Please speak to your Personal Loan Advisor for more details.

How will you use my personal data?

The information you provide to us will not be passed on to any third party without prior consent. Please see the Privacy section for a detailed explanation of the use of date. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. The lender and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

  • Checking details on applications for credit and credit related facilities
  • Managing credit and credit related accounts or facilities
  • Recovering debt
  • Checking details on proposals and claims for all types of insurance
  • Checking details of job applicants and employees.

Please contact us if you want to receive details of the relevant fraud agencies. We also may access and use information recorded by fraud prevention agencies from other countries.

You haven’t answered all my questions – what do I do?

By putting your trust in Confident loans, you are guaranteeing excellent customer service, and we are only a phone call away. Your Personal Loans Advisor is fully qualified and expertly trained in giving advice, so please do not hesitate to give us a call. We will endeavour to help you in any way we can.

What happens if I’m unhappy with your service?

Here at Confident loans we do everything in our power to ensure that you are happy with the service we provide, but if however, we do not meet your expectations, please tell us and we will endeavour to put things right. The quality of our service is uppermost in our thoughts so we are members of the finance ombudsman service to provide even more reassurance of this.

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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.

Our typical rate is just 9.9% APR variable with low rates from 7.9% variable to 13.9% variable, dependent on your circumstances

Home | About Us | Loan calculator | Apply Online | FAQ`s | Terms and Conditions | Contact Us

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