That is no problem, just call our freephone number and we will be happy to answer any question that you might have.
Help is always at hand with Ask Finance. Please see our glossary which should help explain some of the confusing terms. Or call our freephone number, 0808 131 3304, where we will be happy to give you more information.
This is a loan which is secured on your property, this means that if you fail to keep up repayments then your home might be at risk. But this can usually be the best way to free up equity with a great interest rate.
There are a number of advantages of getting a secured loan including:
The main danger that comes with a homeowner loan is that if you fail to keep up on the monthly repayments then you might lose your home.
For an easy way to apply for a homeowner loan, please contact us direct on our freephone number or fill in the quick enquiry form and we will call you back.
The amount that you can borrow depends on your personal circumstances, such as your house value and income.
They are just two separate terms which really mean the same thing, as they are both secured against your assets, usually your home.
A secured loan means that you are borrowing money and securing it against something of value, such as your home. So if you fail to keep up repayments then your home may be at risk.
An unsecured loan is not secured against any of your belongings, but as a result it will usually carry a higher interest rate.
Unlike some other lenders, we would never restrict you in what you decide to do with your loan. One of the most common uses is to consolidate your current debts.
A homeowner loan will cut your existing bills if you use it to pay off your high interest credit and store cards.
That depends on how much you want to borrow, for further information please contact our freephone number directly.
Ask Finance will do our best to help you even if you have had credit problems in the past. We take every loan on a case by case basis, so call our freephone number to see if we can help.
The best way to compare a loan is to look for the APR (Annual Percentage Rate), as it will give you a guide. There are other factors too, but Ask Finance will always strive to provide you with the best deal.
A remortgage means when you, as the borrower, changes your existing mortgage lender to another provider. This new mortgage will not require you to move from your existing home and it could save you money on your monthly payments.
There are a number of reasons why a remortgage could be for you, the best way to get in touch is with our expert Ask Finance advisors who will be able to guide you through the process.
A remortgage can offer you low interest rates, as well as a chance to raise finance or consolidate your existing debts.
As a remortgage means that you are ending your contract early with your current lender, it may mean that you are charged for doing so. But you could still be saving money in the long term.
A remortgage offers you one of the best ways of saving money as it will reduce your monthly rates.
It gives you the opportunity to raise finance by releasing equity in your property which can be used for any purpose.
Ask Finance believe that every remortgage application should be treated as an individual so your costs will vary. But costs to think about will include valuation and arrangement fees.
Don't worry, please see our glossary page which should help clarify any terms that you are unsure of. For more help and advice please contact our freephone number where our professional staff are on hand to help.
Yes, Ask Finance should still be able to help you remortgage your home. Each case is going to be different, so the best thing you can do is contact us so we can start the process today.
Three main reasons that a remortgage might be advantage to you are:
Before you commit to any form of finance, it is important that you understand the implications that might occur. This can include the cost of transferring lenders and legal fees. But remember that you will probably be saving more in the long term.
We will try and get your remortgage application processed as quickly as possible. Processing times may vary as each case is treated as an individual.
This is different for each person as it is dependant on your income and the value of your home.
Yes, this is one of the main advantages of a remortgage as you will be able to consolidate any debt with your remortgage plan.
No, we don't mind what you do with the extra money, that is your choice. However our clients have used their remortgage to clear expensive unsecured debts or make home improvements.
No, ASK Finance would never charge you for advice. We can offer you free advice on all your remortgage questions through our fully-qualified advisors.
We will not discriminate because you have been turned down for a remortgage in the past.
If you have a poor credit history then it is important that you get expert advice to ensure that you don't end up with a remortgage at a sky-high interest rate. Call us today for free information on 0808 131 3304.
A debt consolidation loan allows you to take out a single loan which you use to pay off your multiple unsecured debt. This should make your payments more affordable to you.
Many of our clients have wanted a loan for debt consolidation purposes, as they find it a struggle to manage multiple payments to their debts on a monthly basis. A debt consolidation loan will often provide you with a lower interest rate which will allow you to save money on your payments.
If you find that you are missing payments or you are late in making your payments, then a debt consolidation loan only means that you have one to worry about. This will improve your credit rating over time, as you will not have to worry about missing payments to multiple debts.
Yes, you don't just have to use your loan to consolidate your debt, you may choose to only pay of part of your debt. What you do with your loan will be your decision.
The monthly payments to your debt consolidation loan will be dependant on the amount that you borrow as well as the term.
Ask Finance Ltd is registered in England and Wales (company number 4229724), Jackson House, Sibson Rd, Sale, Manchester, M33 7RR. Ask Finance is licensed under the 1974 consumer credit act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling. Consumer Credit License No: 507130. Ask Finance is authorised and regulated by the Financial Services Authority (FSA) - FSA No: 300490 - for the provision of mortgage advice and arranging insurance.