Need Credit? We can help....
Unsecured Loans: Typical APR 6.9%
Mortgages/Re-Mortgages: Typical APR 8.5%
Secured Loans: Typical APR 14.5%
If you have been refused a loan elsewhere and need credit, we can help.
We specialise in helping people like you, people who need credit but who - due to their financial circumstances – are struggling to get the loan or mortgage they need.
Whether you want an unsecured loan, secured loan, mortgage or re-mortgage, we’re experts in sourcing these and we will shop around to help you get accepted for the credit that you need. If we cannot find a loan, mortgage or re-mortgage for you then we will advise you of the other debt solutions available. These include debt management plans and IVAs.
I Need Credit - Can You Help?
If you need credit but have been refused a loan elsewhere, it’s possibly because you have a bad credit history. That’s not a problem at all for us, as we specialise in helping people like you.
Whatever type of loan you need and whatever the purpose you need it for, we can will do our best to help you get accepted, or offer a debt solution so you can better handle your existing credit agreements.
If you have CCJs, late payments, defaults, if your credit history is poor or if you have been refused credit in the past, we can still help. Need Credit specialise in helping people with a wide variety of circumstances and we will try our best to find you that loan or mortgage you need.
Need Credit? These are the loans & mortgages we offer...
Unsecured Loans – which are for any purpose
Secured Loans – otherwise known as homeowner loans, and are best suited to homeowners with sufficient equity in their home.
Mortgages & Re-Mortgages – we also offer buy to let and self-certification mortgages/remortgages.
Debt Consolidation Loans – where you move expensive unsecured debts onto a secured loan often with a lower interest rate.
Whatever your situation, if you need credit contact us today for the best possible advice. Our Need Credit advisors can be contacted directly on freephone 0800 048 1774.
LOANS MAY BE SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.
For mortgages and re-mortgages the overall cost for comparison is 8.5% APR variable and for secured loans 14.5% APR variable. The actual rate will depend upon your circumstances. Ask for a personalised illustration. A broker fee may be payable on completion, and will depend on your circumstances. For mortgages and re-mortgages this fee is typically between 0% and 3% of the gross mortgage amount, subject to a minimum of £2,495 and a maximum of £3,995. For secured loans, the fee is typically between 0% and 10% of the loan value.
Need Credit is a trading style of Ask Finance Ltd (Registered in England and Wales. Company number 4229724), a wholly owned company of the Harrington Brooks Group Ltd. Ask Finance Ltd is licensed under the 1974 Consumer Credit Act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling. Consumer Credit License No: 507130. Ask Finance Ltd is authorised and regulated by the Financial Services Authority (FSA) - FSA No: 300490 - for the provision of mortgage advice and arranging insurance.