Why does APR vary?
APR varies according to what risk lenders think you are. If you have a better credit rating then you can expect to be offered a lower APR than if you have a poor credit rating. If you want to borrow more money then you will get a different APR again with some lenders.
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Essential Loans
Uses 14 Different Lenders |
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Lender
1 (FP) |
Lender
4 (F) |
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| This lender will advance between £3,000 and £75,000. Traditional loans only extend to 90% of your home’s value, but this lender is different. They will lend up to 25% more than the value of your home, less your mortgage balance. As long as you have a clean credit history and spare monthly income after your outgoings you may be able to get a loan with this lender. | This lender will advance between £3,000 and £100,000. They will lend up to 95% of your home’s value. They allow some defaults and CCJ’s. | ||
| Lender
2 (P) Rates between 7.7%APR and 14.9%APR |
Lender
5 (LM) Rates between 9.4%APR and 16.1%APR |
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This lender will advance between £3,000 and £75,000. They will lend up to 25% more than the value of your home, less your mortgage balance. They will consider some poor credit history and you just need to have only 40% of your total income being allocated to your mortgage and your secured loan to be successful. |
This lender will advance between £5,000 and £100,000. They will lend up to 100% of your home’s value. They ignore all defaults that are more than 6 months old. They allow for CCJ’s aslong as your don’t have one more than £3k and all the ones you do have total no more than £12k. | ||
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Lender
3 (SL) |
Lender
6 (S) |
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| This lender will advance between £5,000 and £80,000. They will lend up to 90% of your home’s value. They ignore all defaults. And allow you a few county court judgements so poor credit history at a reasonable rate is a possibility. | This lender will advance between £1,000 and £250,000. They will lend up to 75% of your home’s value. They ignore all defaults and CCJ’s. So poor credit history no problem. They also lend fully to those who have only recently purchased their council house. | ||
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