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| | | | | | | Mortgages and Secured Loans Advice on dealing with secured debt | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
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Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
6th September 2007, 22:25
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#1 (permalink)
| | Basic Account Customer |  Should I get a SECURED loan?
Hi,
I am presently thinking about taking out a loan. Should I get a SECURED loan? I have equity of 20k in my house and would like 10k to make improvements. I don't want to remortgage as i have got a really good fixed rate for 10yrs. I don't think I would get a unsecured loan for 10k, should I get a SECURED loan? Please give me any advice about this good and bad.
Thanks
Splashin  | 
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7th September 2007, 13:06
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#6 (permalink)
| | Platinum Account Customer | Re: Should I get a SECURED loan?
Quote:
Originally Posted by djdave  Failure to keep the repayments could mean you losing your home . | The way itd going nowadys with all the SD flying around you can lose your house with an unsecure
RO | |
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7th September 2007, 13:25
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#9 (permalink)
| | Platinum Account Customer | Re: Should I get a SECURED loan?
Quote:
Originally Posted by splashin Hello
Thanks for all advice posted. I did apply online yesturday for an unsecured loan and today recvd a letter stating they are happy to deal with me. The terms of the loan are not fixed and they are giving me a typical APR rate of 15.2%, does this mean it could go higher depending on the Base Rate Figure?
Splashin | This means that that payment figures they quote are based on 15.2%. Your initial rate could be even higher than that to start and then go even higher.
IMO I would contact you currnet mortgage lender, they know your history etc and may possibly offer you an unsecured loan based on their in house credit scoring.
I know Bank of Scotland due specific add on loans for existing borrowers.
PKea | |
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NW11 7PE
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