Personal Loans

Instant Decision
60 Second Application
From £1,000 to £20,000
Rates Are From 4.7% to 278%
3 to 36 Month Repayment Options

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Short Term Loans

Online Decision
Apply For Up To £999
Responsible Lenders
3 to 12 Month Repayments
Loan Rates Starting At 278%

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See Representative Example for a 3-month term. Representative Total Amount of Credit: £400. Duration of the Agreement: 90 days Total Amount Repayable: £561.92 to be repaid in 3 equal instalments of £187.31 on your next 3 payday. Interest charged is £161.92, interest rate is 161.9% per year (variable). Representative APR 305.9%. We are authorised and regulated by the FCA – Financial Conduct Authority. POUNDA IS A LICENSED CREDIT BROKER NOT A LENDER.
Warning: Late repayment can cause you serious money problems. For help, go to

Personal loans that fit your needs from Pounda

Whether its to cover a major expense, improve your home, for unexpected expenses or just to invest in something you want, Pounda will be able to help





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Who is the top Home Loans assistance within just Birmingham

A mortgage is often a sum of money borrowed coming from a lender or bank to acquire a residence. However, a home financing is not an loan, which is not at all something the lender will give you. A home loan is often a security instrument that you simply get for the lending company, a document that protects the lender's interests within your property. Generally, banks give the loan however the home or property is served as collateral to secure the borrowed funds.

Banks along with other housing finance establishments offer different types of mortgages today. Mortgage loan usually are not limited with regards to buying a house.

A mortgage is a superb solution for many who prefer to build their unique house than getting a another one. Renovation and repair works like internal and external repair, painting, construction of overhead water tank and electrical renovation could also qualify for a home financing. You can even opt for a mortgage to invest for the home extension or expansion for example additional bedroom or a bigger kitchen.

Mortgage loan Tips in Birmingham

Whether you’re buying your first home, building or thinking about buying property, obtaining a mortgage loan suited for you is vital. However some people don’t be aware of the first thing about receiving a housing loan.

First, you need to evaluate your financial capacity. Banks along with other lenders typically share information on delinquent borrowers and good reputation for non-payment is a huge sore point for lenders, so you better improve your credit history first. Cleanup your credit track record by paying bills punctually, eliminating bank card balances, and, for those who have unpaid loans, pay them off and get certificates of payment through the lending institution.

You will have to conserve a stable cash flow and prevent new debt. Choosing a lower-paying job or quitting to get self-employed, and achieving other loans or major purchases such as a car certainly are a warning sign for lenders and may delay or stop you altogether. Mortgage calculators are fantastic tools to check if finances can definitely handle the payment scheme. Check what you might find the money to spend.

Improving your family savings is smart to indicate lenders you might have enough cash, and you'll apply it if a downpayment is needed. Finding a mortgage not just involves a payment in advance, but additionally home appraisals, title recoveries and other expenses inside the processing of the mortgage. All mortgages aren't made the same, as well as the interest will likely be one of the biggest factors in determining the price of your mortgage.

You will need to provide your lender with a lot of financial documents so ensure that you compile them prior to starting your application. You have to be prepared to provide your financial documents as if your payslips and evidences of one's earnings.

Finding and comparing the top house loan can be hard, and also you can't be assured that any deal you need to do much like the sound of is in fact gonna be ideal for your circumstances. A home financing broker could make things slightly easier than, say, simply starting your current bank and asking them for starters. Planning how you will repay the loan is critical whatever method you choose to choose for comparing them.

Top Lenders for Home mortgages in Birmingham

Getting a home can be a exciting and fun experience, but discovering the right property is just one single step in the process. Browse the list below of the largest mortgage loan lenders in UK.

First Direct

Customers rate First Direct on top of transparency and suppleness, and good value for money.

Yorkshire Building Society

Yorkshire BS offers good mortgage products and also look after existing customers.


Nationwide is one of the highest rated lenders of home mortgages for his or her customer service, extremely low rates, and stuck deals.


One of several UK's largest lenders, Barclays has gained praises and great reviews from customers.


Santander's mortgage customers rated them fairly within their service and loan deals.

Lloyds Bank

Lloyds Bank, which split from TSB in 2013, specialises in fixed-rate mortgage deals. Customers have provided them decent scores in general for service.

Royal Bank of Scotland (RBS)

The Royal Bank of Scotland has many of fee-free deals, and has a reasonable rating to relieve symptoms of queries and complaints.RBS offers some 100% mortgages for existing customers who're remortgaging.The Royal Bank of Scotland or RBS offers mortgage loans and mortgages with reduced rates and satisfactory services.Borrowers were happy with the RBS's transparency and exactly how well it keeps them informed, but less so with the value for money from the deals.


HSBC offers great fixed deals for borrowers with minor and major deposits, therefore it is no surprise that customers rated it highly for affordable.

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