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Secured Home Owner Loans UK

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Jargon Buster

Adverse Credit
APR
Arrears
CCJs (County Court Judgements)
Consolidation
Home Owner
Loan to Value (LTV)
Lender
Negative Equity

Adverse Credit

Credit has not been paid or not paid when agreed.

APR

Stands for Annual Percentage Rate of charge. This is the true rate of interest charged on a loan taking into account the total cost of interest and other charges (fees). The calculation is set out in statutory regulations and allows you to easily compare products.

Arrears

Payment has not been made on borrowing when agreed.

CCJs (County Court Judgements)

An order of a court against a debtor to pay money owed.

Consolidation

Clearing existing debts into one new agreement, usually at a lower interest rate.

Home Owner

This is the term given to someone who has their own home (either with a mortgage or owned outright)

Loan to Value (LTV)

This is the size of the loan expressed as a percentage of the property value. If you were borrowing £60,000 on a property valued at £100,000, the loan to value (LTV) would be 60%.

Lender

The company that provides the finance for the loan or the mortgage.

Negative Equity

Where the amount owed on the property is more that the value of the property.

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

Submit Application

Data Protection

You must complete this section in order to proceed

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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