A Complete Guide to Equity Release
Retirement or old age brings the unavoidable worry of having enough money to lead a comfortable life. This is when you most need it, and you might have the least
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Warning: Late repayment can cause you serious money problems. For more information, go to moneyhelper.org.uk
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A financial hurdle may block your journey, but it shouldn’t change your course. Don’t fall
for the first loan offer you see without comparing! No matter how big or small your goals are, with our online comparison tool, we can help you find the most suitable low-interest loan offers for your needs, even for cash crunches.
Some of the most common types of loans are:
Tackle your financial troubles with short or long-term loans without risking your life-long assets. Apply for personal loans that resonate with your needs and financial circumstances. Choose your desired loan term and repay the loan in affordable monthly instalments.
Your home deserves a makeover now and then – spruce it up with mod cons and increase its market value. Make your move on the property ladder with home improvement loans designed to match your financials, and enjoy affordable monthly repayments.
Whether you take a vacation or a staycation – make it a break to remember. Compare low-interest holiday loans online tailored to your financial and credit situation, and spread the cost of your vacation over affordable instalments each month.
Combat multiple debts with a low-interest debt consolidation loan, aligning with your credibility and finances. Move your debt cluster to a single loan to break the cycle and conveniently repay in affordable monthly instalments.
Your home is more than just a property – use it to boost your borrowing power. Pledge your home as collateral to borrow big-budget loans at low APRs or use it to enhance your chances of approval. Compare secured and unsecured homeowner loans tailored for your financials and spread your loan across fixed, affordable instalments.
You can get business loans in UK without pledging your assets. By comparing business loan options, you can explore offers from our partner lenders to find the loan rate that best fits your business goals and strategies
Compare online working capital loans and secure the funds you need to manage your business’s short-term day to day expenses or to pay the rent or suppliers.
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Retirement or old age brings the unavoidable worry of having enough money to lead a comfortable life. This is when you most need it, and you might have the least
We all need extra money at some point in our lives. It could be to repay existing debt, pay for home improvements, buy a new car or invest in something
Don’t worry just yet if you recently got engaged and are trying to figure out how to pay for your special day. That’s where wedding loans come in. While we
A secured loan is a loan that you borrow against an asset that you own, generally your home.
If you choose a secured loan, you have to tie an asset with the debt you take, and if you are unable to repay the debt, lenders repossess the asset to balance out the payment.
One classic example of a secured loan is a mortgage. Here, your property is kept as security in exchange for a repayment promise. If you fail to repay the mortgage, lenders can take away your house.
Secured loans are long-term borrowings for up to 40 years. Your monthly instalments will become more affordable, but you will be burdened with a lifetime cost of loan repayments.
An unsecured loan is a loan borrowed by an individual without pledging any asset as collateral.
These loans do not tie you with security in turn for repayment. Lenders generally check your employment status and credit history to understand how you have managed money in the past while making their decision to lend.
If you take a five-year loan of £20,000 with an interest rate of 5 per cent, the simple interest formula will work like this:
£20,000 x .05 x 5 = £5,000 in interest.
Yes, you can pay off your loan early. Before that, check the early repayment charges (ERCs) you agreed to when comparing loans. According to the Consumer Credit Regulations 2004, lenders can charge two-month additional fees if the loan is repaid early. If your lender says they do not charge an ERC, look for hidden fees.
Many lenders will be open about ERC, while others will not. So, check thoroughly for any extra fees.
A loan provider will base your loan amount on the type of loan you apply for, your financial assets (like investments, savings, possessions of value, etc.), income, and credit history.
With LoanTube, you can compare loans online in UK and get real APRs with offers tailored to your financial requirements.
Different lenders and loan types will have different requirements, but generally speaking, your personal information and credit history will determine whether or not you qualify. A customised list of loans that you can filter by interest rates and the possibility that your application will be approved will be shown.
LoanTube is a fast loan comparison site UK-based. It specialises in loan comparison and has a variety of loans for you. Comparing loans is super simple, and it can be completed in minutes!
Annual Percentage Rate (APR) is the rate of interest at which you have to repay the borrowed money. It considers the actual interest rate and additional charges to give you a complete insight into how much the loan will cost.
If a rate is presented as an APR, the lender has to offer it to at least 51% of applicants. It does not mean that you will receive the same interest rate.
You can get a loan for many things, from home renovations to school and education to significant purchases like a car, funding a wedding or paying off your bills. You can get a loan, whether it is a secured or an unsecured loan, a car loan, a wedding loan, a business loan, a home improvement loan, a holiday loan, a debt consolidation loan, a long-term loan, a homeowner loan, a guarantor loan and many others. We also allow you to compare loans in the UK in real-time, so any form of comparison you need is available on LoanTube. It even has a state-of-the-art loan comparison calculator.
The rate you are offered will depend on your individual circumstances.
Representative APR Example: On an assumed loan amount of £1,000 over 18 months. Rate of interest 59.97% per annum (fixed). Representative 79.5% APR. Total amount payable £1,554.10 of which £554.10 is interest. 17 equal monthly repayments of £86.09, and the final month’s payment of £90.57.
Some of the offered loans might be classed as High Cost Short Term Loans. APR rate starts from 18.22%. The maximum APR rate is 1721%, but you will get a personalised rate tailored to you. The minimum repayment term is 3 months, the maximum repayment term is 7 years. The minimum loan amount is £250 and the maximum loan amount is £35000.
Warning: Late repayment can cause you serious money problems. For more information, go to moneyhelper.org.uk
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LoanTube is a credit broker and not a lender.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on any debt secured against it.
Not all borrowers will qualify for a loan. The operator of this website does not engage in any direct consumer lending, we simply provide you a FREE loan brokering service. This means LoanTube does not charge customers a fee for using its introducer services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with them following an introduction by LoanTube.
LoanTube Business Model: As part of our business operations, we connect customers with partner lenders to help them find suitable loan options. LoanTube receives a commission from lenders for this service, which may, in some cases, affect the cost of the loan to the customer. However, as a responsible broker, we are committed to identifying the best possible loan options for our customers.
