Best loan quote

We want you to get the best quote...

First fill in the easy 60 second quote form.

Then we will search the market and compare loan deals and plans to find the best quote for you.

If you like the quote just tell us and we'll issue the paperwork as quickly as possible.

Remember no obligation...

Getting a quote is completely free of charge.
We do not carry out any credit searches unless you want to proceed with any quote given.
We search hundreds of plans and offer you the best quotes we find.
You save lots of time visiting lots of websites
You have absolutely no commitment, and it could save you money.

It takes just 60 seconds...

	Just 60 seconds to get a free quote...
	If you are a tenant please apply here
	I would like to borrow
	For
	I am currently
	My total income before is
	My partners total income
	Time in property
	My mortgage balance is
	My monthly payment is
	My house is worth
	I would say I/we have

	Your full name *
	Your partner's name
	Home phone number *
	Work phone number
	Mobile phone number
	E-mail address
	House number *
	Postcode *

	Data protection. Tick this box if you do not mind us sending you information about financial offers.
	Declaration:
	By submitting this application I/We agree that: The information provided is true and accurate, and that you, as a broker, may provide details of this application, to other brokers or lending companies, that you feel best suited to fulfil my/our requirements, and that broker or lender may contact me/us for further information as required. A broker or lender may use the information held by credit reference agencies in support of our application, and may ask a third party to verify any information given in the application. Applying to a credit broker means your information could be used as follows Processing the application you have made; The details will be recorded and may be used by ourselves and others for credit scoring and searches will be added to records and seen by others for credit scoring and searches which will be added to records and seen by others for searches, fraud prevention, money laundering and debt recovery, which may have links to financial associates and be recorded and used for various insurance proposals and claims by applicants and members of their family; Information held about you by a credit reference agency may already be linked to records relating to another person, for example your spouse, and for the purpose of your loan application you will be treated as financially linked. Your loan application will be assessed with reference to all linked records; If you have confirmed you are linked financially with another person, you are declaring that you are entitled to (a) disclose information about that person and/or anyone else referred to by you and (b) that you authorise the broker and any lender involved in the application to search, link and/or record information at credit reference agencies about you and/or anyone else referred to by you. The broker may also use the information: * to offer you other products which they make available; * to pass your details on to a lender or lenders they feel may be willing to lend you money; * to pass on your details to another broker, if your broker is not able to arrange finance for you; * to write to you in the future with a view to offering you products they feel may be of interest to you; * to pass your details to another broker in the future with a view to them offering you products they feel may be of interest to you; * to permit access to your information by the FISA or other regulatory bodies to ensure that the broker is processing information correctly and complying with regulatory requirements. The broker may keep the information for several years. You can ask for the information not to be used to offer you other products. Any other broker or lender to whom the information is passed during processing your application may use it in the same way. Every company or person who processes or keeps data has a duty to keep that information up to date and accurate. Lending Companies Use of information when application is being processed. Lenders to whom the application is passed will make wider use of the information than a broker. If you have received any lender documents, they should include a statement telling you what they will do with the information, or telling you where to look to find out what use they will make of it. This statement will usually be near any signature box, or clearly placed on the front page. If the information is not by the signature box there may be an "information padlock" sign (like the one above) drawing your attention to where the information is. Almost all lending companies will check the information supplied on loan or mortgage applications with data held by credit reference agencies. The lender may search on more than one occasion. Every time a search is made it is recorded by the agency and disclosed to other organisations on any later searches. Lenders will use the information obtained in the credit reference searches to help them assess the application and they may use the result of any search in a credit scoring system. A credit scoring system is a system by which points are given for various factors like your age, your job or even for information obtained from a credit reference agency, such as how you have repaid previous or existing credit. Lenders use different methods of scoring depending upon their interpretation of the importance of different factors and the level of risk they are willing to accept. The lender may check your details with the credit reference agency or with other agencies (see 'other agencies' section) to satisfy itself that all the details on the application are true, and that the application has really been made by you. If it suspects information is false or inaccurate it may report it to a fraud prevention agency. Please ensure the information you give is true as lending companies will check with fraud prevention agencies and if you give false or inaccurate information, and the lender suspects fraud, it will record this. NOTE - OTHER AGENCIES SEARCHED As well as the credit reference agencies, there are agencies dealing specially with the checking of application details to identify possible fraud. This is a protection for honest applicants, although it can sometimes cause delays. Details of these other agencies, and a brief outline of their purpose, are given in the 'other agencies' of this guide. What if my loan application is not accepted? Sometimes a lender may not wish to lend. This may be for a number of reasons. The lender may think you cannot afford the loan. If it is a secured loan, your property may not be of sufficient value. A lender does not have to tell you exactly why you have been refused a loan but you can ask them for the name and address of any credit reference agency used and they will supply this information free of charge. If you are refused credit because of a computerised credit scoring system you can ask the lender for an explanation of how their credit scoring works (this applies only if the decision has been made on the basis of a computerised system alone). The lender may charge a small fee for providing this information. You also have the right to require a personal, non automated, review of the decision. Nobody has a right to receive a loan. Loans are always granted at the discretion of the lending company. Use of information once a loan has been made All lending companies keep information about their customers in their own records. This will include all the initial information given by you, and extra information about how your account has been run and any other dealings between you and the lender. Lenders will record the conduct of any loan throughout its duration, including how punctually the payments are made and other information, with one or more of the credit reference agencies. This enables them, and others, to make decisions about credit and credit-related services for you and members of your household including decisions on motor and household credit, life and other insurance proposals and insurance claims. Information may also be provided to the 'other agencies' listed below. These will help lenders and other subscribers to those agencies to trace debtors, recover debt, prevent fraud and to check your identity to prevent money laundering. In particular, any difference between the information given by you or your broker and any later information discovered by the lender is likely to be noted. Lenders may also use your information for statistical analysis about credit, insurance and fraud. This may be done by them or by third parties contracted to do the work by them. If they use a contractor, they are obliged to ensure that your data is properly secure. Many lenders will also need to give information about you and your account to their bankers, other providers, insurers and re-insurers of funding for their lending or any other product they have offered to you. If your broker or lender intends to use your information for any purposes not included above, it will explain this in its documents. Brokers and lenders are under a legal duty to keep all the information they hold accurate and up to date. The agencies do not keep "blacklists" nor do they give any opinion about whether or not credit should be granted. They do have a duty to keep information up to date and accurate.
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