FAQ

Who are The Loan House?

We are a finance broker offering our customers a wide range of lending solutions. Our objective is to save you time, money and hassle.

What makes The Loan House a good choice?

Because your best interests are at the heart of what we do. Our aim is to help you stay in control of your finances and not put any extra or undue pressure on them. Remember, you choose the amount you borrow and for how long and if the loan or mortgage is not right for you then it's not right for The Loan House.

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.

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.

Do you offer competitive rates?

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 payment 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.

Which finance companies do you deal with?

We have dedicated teams working in partnership with some of the best lenders in the country. This instant access means that we can review hundreds of loan and mortgage products to select the one that matches your individual needs and get results fast.

I have a poor credit history, can you help?

We have vast experience in helping people with a range of debt problems - for example county court judgments (CCJs), defaults and mortgage arrears. Therefore we are confident that we will be able to offer a finance solution that is right for you.

What are homeowner loans and secured loans?

A homeowner or secured loan is for customers who own their homes and are currently paying a mortgage. The loan is secured against the property, like your mortgage allowing you to borrow against your equity.

What types of finance are available?

We offer mortgages, remortgages, 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.

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. Our professional underwriters will then guide you through the loan process; clearing all the obstacles and delivering the cash you need in the shortest possible time. There are no interviews and no salesmen will call. Remember the application process is free and you are under no obligation.

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.

Can I repay my mortgage or loan early?

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

Can I have a fixed rate?

Yes, we can offer fixed or variable rates details upon request. We have access to many solutions, whatever your requirement - we are here to help.

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.

Can’t find the question you want answered?

No problem. Remember we are here to help. Click here to contact us and we will respond within 24 hours during normal office hours.