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Guide to Personal Secured Loans

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...... flexibility. Loans secured on property can be repaid over a period of between 5 years and 25 years.

The application process is a lot longer with personal secured loans than with unsecured loans, due to the fact that your loan provider will need to value your home.

The primary advantages of a personal secured loan are that:

They offer lower interest rates. Because the loan is secured and the lender is guaranteed to recover their money in almost any circumstance the APR (the interest rate) tends to be less than with an unsecured loan.

The circumstances in which one is able to secure a loan on property are more dependent upon the equity in the property rather than past credit history and hence individuals with adverse credit histories (such as County Court Judgements and credit card defaults) are not excluded from secured lending.

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A personal secured loan represents an efficient debt management tool because it is possible to spread payments to a term of up to 25 years, it is therefore possible to consolidate any existing borrowing and reduce the monthly outgoings to such an extent that considerable extra income is made available to the household budget.

The majority of personal secured loans can be arranged without fees therefore the personal secured loan often represents a cheaper lending option than a remortgage due to the fees usually associated with the remortgage product.

They are easier to be approved for.

In a typical personal secured loan, the home is used as collateral against the loan, meaning that should you be unable to maintain the loan repayments, your home will be at risk.

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You may freely reprint this article provided the author's biography remains intact:

About The Author
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.



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