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Negative equity loans
 

If you are home owner but have little or negative equity in your home, it can often be difficult to obtain the loan that you want. We have loan plans which could let you borrow up to 125% of your property value.

At the UK Loan Company, we'll search from our carefully selected panel of lenders to provide you with some of the most competitive rates of interest available, giving you more borrowing power.

While we will allow you to borrow up to 125% of the property value, with a typical bank loan you are not usually able to borrow more than 95% of the value of your property. This means that a UK Loan Company loan can give you considerably more borrowing power, as demonstrated in the example below.

  The UK Loan Company Typical Bank Loan
Your Property Value £100,000 £100,000
Maximum Borrowing 125% 95%
Maximum Borrowing Limit £125,000 £95,000
Less: existing mortgage £80,000 £80,000
Maximum Loan Available £45,000 £15,000

If you have negative equity, for example, you are probably not looking to move home but could enjoy the benefits of some home improvements like a new kitchen or bathroom or even a loft conversion.

Or it may be that you are looking to consolidate all your debts into one straightforward affordable loan.

 
Please fill in the short form below to apply for a loan today:
 
Please fill in the short form below to apply for a loan today:
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