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Personal Secured Loan Mortgage UK

A home is not the biggest purchase you will make in your life.  Your mortgage will be a larger purchase, so it is extremely important that you educate yourself in order to get the best deal possible.  Mortgage refinancing is simply the process of replacing your current loan with a new loan at a lower interest rate. Refinancing has been all the craze in the past five years. But even those who refinanced as a short as three years ago are finding they can save more by refinancing yet again...

Personal Secured Loan Mortgage UK is basically a personal loan secured against your property and would typically be for an amount between £500 to £25,000 and would and for a period of between 6 months to 10 years.The interest rates vary between lenders but the deciding factor depends mainly on the amount that you borrow and over how long a term your loan will be repaid, as a rule of thumb the more that you borrow, the lower the interest rate.

Mortgage Secured Personal Loans in UK can be utilised for any worthwhile purpose excluding commercial or business purposes.

               No ongoing loan account keeping fees

               Borrow to a maximum of 80% of valuation

               Fortnightly or monthly payment frequency

               First or second mortgage security

As with other types of loans, personal loans interest rates may be either fixed or variable, though generally they would be fixed rate. It is advisable to compare the APR (annual percentage rate) with a variety of lenders in order to get the best deal available. Homeowner personal loans normally come with a lower interest rate than unsecured loans, as they are less of a risk to the lender.

Also with this kind of personal loan you are able to get the option of making over-payments or under-payments. This may be of benefit according to your financial circumstances though the interest rate with this option can sometimes be uncompetitive.

Mortgage secured loans are ideal for financing, a new car, luxury holiday, wedding, or maybe some home improvements in UK.

Our mortgage payment calculator does the traditional calculation of your estimated monthly payments for a fixed rate of interest. An amortization table is generated showing a breakdown of the interest and principal paid with each months payment.

The mortgage payment calculator also has the ability to factor in extra monthly payments. These payments help you pay down your loan faster, and if made consistently, can have a dramatic impact on your total interest paid over the life of the loan.

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