FAQ

Who are The Loan House?

The Loan House are a whole of market mortgage broker offering loans and mortgages. As we are not tied to any bank or building society we can offer advice from a wide range of lending solutions. Our aim is to provide you with the best lending solution available, saving you both time and money in the process.

I have arrears. Can you still help?

Yes, we can help people with debt problems such as CCJ’s, defaults and mortgage arrears. We have lenders who specialise in helping people in these circumstances so we are confident we could find a solution for you.

Can I consolidate my credit to reduce my monthly outgoings?

Many of our customers do. We specialise in debt consolidation and can review your current outgoings to try and reduce your monthly payments with one of our remortgage or loan plans. Whilst consolidating your debts can reduce your monthly outgoings please note that consolidating debts or extending the term of your borrowing could increase the total amount of interest you pay of the full term of the loan.

What will happen after I apply?

We will immediately assess your individual requirements, and match them with the best deal from our brokers. We aim to secure approval in principle within 24 hours of your application. You will be kept informed of progress at all stages.

What information will I need?

Our lenders require accurate and truthful information to make a decision in principle. Our online application forms provides the basic information. An experienced loans and mortgage advisor will guide you through the documentation and more detailed enquiries that will be needed to secure the finance.

Do you offer competitive rates?

This is dependent on your personal circumstances and will vary over time. However we have excellent relationships with many of the countries top lenders and brokers so we're able to search for the best possible rate on your behalf.

What are your lowest rates?

This will vary over time and is subject to status, however to receive a no obligation quote please complete one of our online forms.

What will my monthly payments be?

This depends on how much you borrow, and how long you intend to borrow the money for. Please complete our online forms and we will be able to provide you with a no obligation quotation.

Can you help me find mortgage protection or home insurance products?

Yes, as part of our service we search the market to find the most suitable insurance products for you at the lowest price. We offer buildings and contents insurance, mortgage protection, life cover and accident and sickness cover which can be purchased with a mortgage or as stand alone products.

Can I use a loan for any purpose?

We offer loans for most purposes, however they are not available for gambling or investment. Many of our clients use a homeowner loan to consolidate their existing credit into one lower monthly payment. Other clients use the loan for major projects such as building a conservatory, home improvements, paying for that dream wedding or buying that sports car they’ve always wanted.

What types of finance are available?

We offer mortgages, remortgages, buy to lets, secured loans and unsecured loans. We will review your individual needs and advise on the best method of securing finance for you. Our aim is to provide you with the best solution on the market.

Can I repay my mortgage or loan early?

Yes, you can. Your finance agreement will show how any early redemption cost is calculated.

Are there any hidden charges?

No, all the charges are clearly illustrated in your quotation documents. You are under no obligation to proceed with your quote if you are not satisfied with the product which has been offered to you.

The question you want answered is not here?

No problem. Remember we are here to help. Email us at enquiries@theloanhouse.co.uk and we will get straight back to you..