Contact your lender directly if you have any worries about making your re-payment. If you do not endeavour to do so you will be unable to arrange any payment options and where the situation remainsunresolved (where you have not re-paid your loan), the lender can exercise their right to pass your details onto a third party collections agency. This agency will then work to recover your unpaid arrears (plus any interest accrued as a result of your non-payment).
A secured loan is only available to people who own their own home and have equity in their property. The equity is not the only determining factor when obtaining a loan. Your credit rating will alsorestrict the loan amount available and interest rates payable.
East Cheshire Mortgages are independent brokers and advisors who are not part of any of the large banks or building societies. We have no ties to influence the decision making process and this givesus the freedom to find and recommend the most suitable deal for you, the customer. Based in Macclesfield, Cheshire, we listen to your specific requirements, then provide the most appropriate solution to your mortgage and loan needs. Whatever your circumstances, it is likely that we will be able to help.
A broker fee of up to 12.5% will be added to secured loans. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgageor any other debt secured on it. If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
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