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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That's the most beneficial Home Loans service in the course of Lancaster

Home financing is a sum of cash borrowed coming from a financial institution or bank to get a home. However, there exists a very thin line between home loan and mortgage. Home financing can be a security instrument that you just give to the lending company, a document that protects the lender's interests within your property. To get a mortgage loan, it may be against house with the loan applicant.

There are several types of mortgages accessible in the financial market. Mortgage are not limited when it comes to purchasing a house.

A mortgage is a superb solution for many who prefer to build their own house than buying a another one. Should you don't have the finances for repair and renovation, you can find banks that provide specialized do-it-yourself loans. If you'd like another balcony or perhaps an additional bedroom, some banks provide loans for house expansion including alteration of current structure and construction of recent rooms.

Mortgage Tips in Lancaster

Whether you’re buying a home, building or considering investing in property, getting a mortgage loan perfect for you is essential. But, you'll find what you require to know and do first prior to home financing.

Evaluate the three stuff that lenders consider when assessing house loan applications namely, your earnings, your credit track record, plus your debt service ratio. Additionally it is crucial for you to tidy up your credit report. Settle your credit card balances and make certain you make payment for your bills promptly.

You will have to have a stable earnings and avoid new debt. When you don’t need to have a zero balance on your own cards to qualify for a housing loan, the less you borrowed from creditors, the better. Mortgage calculators are fantastic tools to find out if your money will surely handle the payment scheme. It’s difficult to fall in love with a dream house that you cannot afford.

Walking into a lender’s office with zero financial resources are a quick strategy to flush your loan application to waste, so ensure you have enough savings. Normally, you’ll need a minimum of 20% of your home price for first payment however you should target a higher down payment to lower your total mortgage balance. Even if loans have a similar rate of interest, there could be differences in what exactly and fees which make one offer more expensive than another.

All required documents should be prepared. At minimum, you need a valid photo-bearing government issued ID, proof of income including employment certification, ITR, or payslips, and other relevant collateral documents.

Comparing mortgages is complicated and it can take hours to find a good deal. You are able to compare mortgages having a broker to generate life simpler. Obtaining a mortgage, whether you take action alone or through a broker, always requires careful planning with your finances.

Cheapest Home Loan Lenders in Lancaster

Learn to compare offers, getting the most effective deals to get a house loan. Allow me to share the greatest mortgage loan lenders in the UK.

First Direct

First Direct is recognized for its great service, transparency, and occasional rates.

Yorkshire Building Society

Yorkshire BS is praised by its customers for providing value for money, flexibility and powerful service.


Nationwide is probably the biggest building societies in UK, and customers find it as a provider which offers value for money, great service and flexibility.


Barclays has several deals that include free valuation fees and low rates.


Santander is also a high-rated lender for home loans with competitive deals and occasional rates.

Lloyds Bank

Lloyds Bank offers fixed price mortgage deals. Clients are generally content with their helps.

Royal Bank of Scotland (RBS)

The Royal Bank of Scotland has lots of fee-free deals, and contains an adequate rating to relieve symptoms of queries and complaints.RBS offers some 100% mortgages for existing customers that are remortgaging.The Royal Bank of Scotland or RBS offers mortgages and mortgages with extremely low rates and satisfactory services.Borrowers were pleased with the RBS's transparency and the way well it keeps them informed, but less so with the affordability of the deals.


HSBC offers great fixed deals for borrowers with small and large deposits, so it will be no surprise that buyers rated it highly for good value.

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