Secured Loans Online Northern Ireland-

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What is a Secured Loan?

A secured or homeowner loan is a loan secured against your property. It offers higher loan amounts than unsecured loans, usually up to £100,000 and can be repaid up to a period of 25 years.

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There are a variety of homeowner loans available which can make it difficult to find an appropriate loan that suits your needs. CompareNI can help make this process easier. You can get started by filling out a short form about the purpose of the loan, your circumstances and we will arrange for a homeowner loans advisor to contact you directly. Secured loans can be taken out for a range of purposes such as home improvement, debt consolidation or even a new car. Just simply complete the short one page form and submit your details and CompareNI will pass those details to a regulated homeowner loans advisor who could help you find the best loan to suit your needs. The specialist advisor will contact you directly to help advise you on your options.

Loan Types

Consolidation Loan

A consolidation loan allows you to consolidate your existing borrowing into one single loan and one monthly payment. Having your loans consolidated could help simplify monthly payments, and if you can get the consolidated loan at a lower APR rate then that may save you a bit of money if you are able to keep to the same repayment term.

Short-term fixed rate secured loans

With a short-term fixed rate secured loan, you will pay a fixed amount each month throughout the agreed short term (usually between one and five years). After this period, your repayments will then change to your lender's standard variable rate.

Fixed for term secured loans

With a fixed-for-term secured loan, there is the benefit of unfluctuating payments. You would pay a fixed amount every month throughout the agreed term, this in turn can help with budgeting for your loan payments.

Variable rate secured loans

With a variable rate secured loan, the interest you pay can vary over time and therefore your repayment amount can vary each month. The rate can be dependent on the Bank of England base rate or other market forces. If interest rates increase substantially, your repayment amount could be a lot more than you originally budgeted for or, in more extreme cases, be more than you can afford. However, the interest rate could go down and therefore you would benefit from a lower repayment amount each month.

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