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Simply Money

Thinking About Loans for Bad Credit?

If your credit history isn’t in the best shape but you need to borrow some money, you may find that secured loans are a decent option. It’s hardly surprising that bank and building society loans for bad credit tend to come with a steeper rate of interest if you have...

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Simply Money

Secured loans - are they right for you?

When it comes to secured loans, you have a number of different options. These include remortgaging your home, taking an extra advance from your first charge provider, or seeking a second charge loan with a new lender. Of course, in order to be eligible for any of these, you must...

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Simply Money

Secured loans: the pros and cons

With consumer confidence returning in the wake of the financial crash and subsequent recession, more and more people are now looking into taking out loans to cover expensive, one-off purchases. If you don’t want to borrow on a credit card, you’re really left with two options - a secured loan...

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Simply Money

Personal loans: what to consider before you apply

If you’re thinking of taking out a personal loan, there are a few things you need to think about before you apply. Personal loans, or unsecured loans, as they are also known, can be a quick and easy way to get instant access to a cash injection, but as with...

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Simply Money

The debt crisis: how to avoid being part of it

With new research from the Financial Conduct Authority reporting that around 2.2 million Britons are in financial distress, it is clear that there is substance behind the recent press reports alleging that increasing numbers of people are finding themselves with problem debt. With interest rate rises rumoured to be on...

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Simply Money

Some common questions about secured loans

Why might I want to take out a secured loan? Secured loans are commonly taken out in order to fund significant expenditure, such as a house extension or a wedding. Typically, they are used for larger sums of money, often in excess of £10,000. Where do I apply for a...

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Simply Money

Move house or extend your existing property?

Whether to move house or extend your existing property is a conundrum that increasing numbers of us are facing. Moving to a larger flat or house has been the traditional next step for growing families for some decades. However, as wage growth slows as almost never before and the cost...

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Simply Money

A payday loan or a personal loan?

Payday loans are increasingly in the headlines. The stories behind those headlines suggest that they are rarely a good option although, unfortunately, for some people, they may be the only one. Aimed at those struggling to make it from payday to payday, payday loans offer advances of relatively small amounts...

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Simply Money

Improve your chances of being approved for a secured loan

Secured loans are a type of loan most frequently offered to individuals with sufficient equity in a property. The equity acts as the lender's security, so if the loan beneficiary defaults on the repayments, the lender can act to force a sale of the property. However, even individuals with plenty...

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Simply Money

Secured loans: what to do if you worry that you’re falling into arrears?

A secured loan is a loan that is secured on a property. It can permit a homeowner, or mortgage-holder with sufficient equity, to access a large sum of money, at a rate that is far more competitive than anything that applies to a comparable unsecured loan. The term of a...

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