Loan repayment guide

All of our lenders offer competitive variable rate loans. Some will lend on a fixed rate over a
5 year term.

Examples of the rates are given below. We do stress it is only a very small example from the wide range of schemes available.

The charts will show you loans with and without insurance protection.

You are strongly advised to cover at least the main wage earner and you can then relax in the knowledge that your repayments will be covered in the event of accident, illness or unemployment.

Full details of the protection will be sent with your loan offer.

Without Insurance Protection:
APR	Borrow	60 months	90 months	120 months	180 months	240 months
7.9% variable or fixed for up to 5 years	£60,000	1,207.07	878.71	717.48	561.95	489.54
	£50,000	1,005.89	732.26	597.90	468.29	407.95
	£40,000	804.72	585.81	478.32	374.63	326.36
	£35,000	704.13	512.58	418.53	327.80	285.56
8.6% variable or fixed for up to 5 years	£32,500	663.72	486.37	399.55	316.32	278.02
	£30,000	612.67	448.95	368.82	291.99	256.64
	£27,500	561.61	411.54	338.08	267.65	235.25
	£25,000	510.55	374.13	307.35	243.32	213.86
9.7% variable or fixed for up to 5 years	£22,500	470.21	348.03	288.54	232.08	206.62
	£20,000	417.97	309.36	256.48	206.29	183.67
	£17,500	365.72	270.69	224.42	180.51	160.71
	£15,000	313.48	232.02	192.36	154.72	137.75
10.9% variable or fixed for up to 5 years	£12,500	268.23	200.78	168.17	137.62	124.19
	£10,000	214.58	160.63	134.53	110.09	99.35
	£7,500	160.94	120.47	100.90	82.57	74.52
	£5,000	107.29	80.31	67.27	55.05	49.68

With Insurance Protection:
APR	Borrow	60 months	90 months	120 months	180 months	240 months
7.9% variable or fixed for up to 5 years	£60,000	1,388.13	1,010.52	786.98	604.58	521.89
	£50,000	1,156.78	842.10	655.82	503.82	434.91
	£40,000	925.42	673.68	524.65	403.05	347.93
	£35,000	809.74	589.47	459.07	352.67	304.44
8.6% variable or fixed for up to 5 years	£32,500	763.28	545.57	439.59	341.52	297.57
	£30,000	704.57	503.60	405.78	315.25	274.68
	£27,500	645.85	461.64	371.96	288.98	251.79
	£25,000	587.14	419.67	338.15	262.71	228.90
9.7% variable or fixed for up to 5 years	£22,500	540.75	392.33	319.22	252.23	222.80
	£20,000	480.66	348.74	283.75	224.20	198.04
	£17,500	420.58	305.15	248.28	196.18	173.29
	£15,000	360.50	261.56	212.81	168.15	148.53
10.9% variable or fixed for up to 5 years	£12,500	308.46	226.91	186.49	149.89	134.19
	£10,000	246.77	181.52	149.19	119.91	107.35
	£7,500	185.08	136.14	111.89	89.93	80.51
	£5,000	123.38	90.76	74.60	59.96	53.68

Typical example: for a loan of £5,000 monthly repayment over 60 months period would be £107.29. APR 10.9% variable. Total amount repayable - £6,437.40.

Legal disclaimer: Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage.

Loans subject to status for houseowners/mortgage payers in England and Wales only. Fees payable on some plans up to 10%. Written quotations available on request.