Home Loans (Call 0800 138 2657)

Home Loans reduce the risk lenders and therefore borrowers generally can obtain a loan with lower repayments than a personal loan.

Home Loans are generally for amounts from £3000 to £500,000 or higher depending on the (equity risk). Home Loans are registered as a charge against a property and are then called a second charge.

The interest charged for a Home Loan will be charged on the sum borrowed based on a nominal rate. In order to simply the comparison of quotes, most lenders measured their lending rate using the Annual Percentage Rate (APR).

Generally it is easier to obtain a Home Loans than an unsecured loan. The lenders risk is much less when they secure a charge on your home rather than if no security is given. For home owners who have recently changed jobs, are self employed or have a poor credit history, it makes it easier to obtain a loan. The maximum amount of any Home Loan will directly depend on the mortgage balance or the mortgage company's maximum liability (for a flexible mortgage) and the value of the property. The maximum lending facility is much higher for Home Loans.

Applying for a Chase Saunders Homeowner Loan:

After simply filling in our quick enquiry form, an underwriter will call to discuss your personal circumstances. We employ NO telesales staff whatsoever nor do we have a call centre. All Home Loan enquiries are taken by an underwriter. You simply ask for your underwriter by name after the initial contact. They will discuss your loan personally without the interference from unskilled 'telesales people'.

The Consumer Credit Act regulates loans under £25,000, which requires a consideration period of seven days to be given to ensure that you are happy with all the terms and conditions. This delay is unavoidable for loans less than £25,000. Applications are quickly assessed and in most cases a quote will be given immediately after the underwriter has taken some basic details.