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Secured Home Owner Loans UK

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Homeowners adding value to their homes with loans

Over recent years secured, homeowners loans have become increasingly popular in the UK, and one of the leading factors in this rise in popularity is the growth in property prices.

Many homeowners have seen the value of their properties soar over the past few years, leaving them with far more equity and enabling them to borrow more against their home without having to worry about the higher repayments and shorter repayments periods offered with most unsecured loans.

One of the major purposes for taking out a homeowner loan is to carry out home improvements, and this makes the loan more of an investment, as the right improvements can add value and saleability to the home, in addition to improving comfort and practicality for those living in the property. Many homeowners are using these loans to build on their property or create extra space, such as extensions, loft conversions, and conservatories.

Other popular home improvements that are carried out with the use of homeowner loans include new kitchens and bathrooms, replacement windows, heating systems, insulation, and creating a driveway. Many of these improvements can add value to the property, which means that if you do decide to sell up the loan could be paid off with the additional value that has been added as a result of the improvements.

A number of lenders offer homeowners loans, and consumers wishing to carry out home improvements through the use of such a loan are urged to compare different loans carefully in order to check out the best interest rates and repayments. It is also important to remember that a homeowner loan is secured against the home, and failure to keep up with repayments could result in you losing your property.

Secured Home Owner Loans Articles:

Personal Details

Title:

Name:

Date of Birth:

- dd/mm/yyyy

E-mail address:

Best Contact Phone:

Mortgage Details

Mortgage Balance:

Est property Value (£):

Loan Details

Amount of Loan (£):

Repayment term required:

yrs

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Data Protection

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Terms & Conditions

DATA PROTECTION ACT 1998 

I/we confirm that I/we have the consent of any third party whose details I/we may disclose to Loans 4 People Ltd ("You") to disclose such details and to authorise You and the third parties referred to in the paragraph below to process such details for the purposes of assessing my/our application and administering and enforcing any subsequent loan which may be granted to me/us. 

I/we agree that You and any lender resulting from this application (the "Lender") shall be entitled to use and process, by any medium, the information given by me/us in this application form and any other information about me/us which may be acquired during the lifetime of any loan ("the Data") for the following purposes:- 
 
i.   to provide the Data to and search the files of one or more credit reference or fraud prevention agencies whether before, or during the lifetime of any loan granted to me/us by the Lender, who will keep a record of such search, to confirm the Data, and for the purposes of credit assessment or account administration. I/we understand that You and /or the Lender will record false or inaccurate information if this is given by me/us and fraud is suspected.

ii.   To disclose the Data to credit reference agencies when requested by them for consideration of any future applications for finance made by me or members of my household/family, or for fraud prevention and/or tracing debtors (the agencies may also disclose the Data to other lenders for these purposes)  

iii.   to disclose the Data to any other company within the Lender's group of companies and/or to any third parties (for example, debt counselors and insurers) at any time for the purposes of assessing my/our application and administering and enforcing any subsequent loan whether during the course of my/our application or during the lifetime of any loan granted pursuant to such application;

iv.   to disclose the Data to any third party who replaces or who may replace my/our Lender.
 
PREVENTION OF MONEY LAUNDERING

The Lender and other organisations may use and search the records of credit reference or fraud prevention agencies to check your identity to prevent money laundering, unless you have furnished other satisfactory proof of identity.

RIGHT OF SUBJECT ACCESS

Information held by us will be processed only for purposes for which we have registered under the Data Protection Act. Upon you making a request in writing we will provide you with a copy of the information which we hold concerning you on payment of a fee.

PERSONAL DETAILS AND DATA PRIVACY

The personal details which you submit to us (Personal Data) are held by Loans 4 People Ltd for its own use. It is your responsibility to ensure that your Personal Data is accurate and up to date and to inform us of any changes that need to be made. Loans 4 People Ltd may use the Personal Data for the purposes they have notified to the Office of Information. By submitting your Personal Data you CONSENT to it being processed by Loans 4 People Ltd.

I/We confirm that I accept and understand the above terms & conditions.

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