If you borrow £18,000 over 10 years, initially on a fixed rate for 5 years at 7.4% and for the remaining 5 years on the lender's standard variable rate of 7.9%, you would make 60 monthly payments of £249.27 and 60 monthly payments of £254.63. The total amount of credit is £19,657 (including a lender fee of £595 and a broker fee of £1,062). The total repayable would be £30,234. The overall cost for comparison is 10.42% APRC representative. This means 51% or more of clients receive this rate or better for this type of product. We have arranged borrowing with rates from 4.9% to 29% APRC, helping customers with a range of credit profiles. We are a broker, not a lender.
Secured loans have a minimum term of 36 months and a maximum term of 360 months. The maximum APRC charged is 29%. If you are thinking about consolidating existing borrowing, please be aware this could extend the term and increase the total amount you repay.
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