Ocean Finance and Mortgages helps thousands of people every year to achieve their goals. Even in this difficult climate Ocean is still raising millions of pounds to help our customers sort their finances.
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OUR TYPICAL, VARIABLE RATE IS 17.9% APR. MOST PEOPLE WILL RECEIVE A LOWER RATE THAN THIS.
RATES RANGE FROM JUST 9.7% to 29.9% APR.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Secured loans are a popular means of raising finance which you can use for almost any purpose.
We estimate that within Britain we have more than £200bn of unsecured debts. Secured loans can be utilised to pay off store cards, credit cards and unsecured personal loans, so that the borrower only has one monthly repayment to contend with, thus removing the stress of having to juggle your finances to pay multiple lenders.
As well as providing greater peace of mind, this can also mean that borrowers don't need to worry about keeping track of a multitude of repayment dates that they have with other loans and credit cards. Instead, they just have one straightforward monthly repayment to make which can make budgeting easier.
However, secured loans can be used for much more than paying off debts – you could use them to buy a new car or treat your family to a once-in-a-lifetime holiday. Alternatively, you could even carry out work on your home which may increase its value.
With Ocean Finance, you can get secured loans from £5,000 up to £100,000, depending on your current personal situation and the present value of your home. Even if you've previously been refused credit, are self-employed or have recently moved jobs, secured loans may be able to provide you with the finance you require.
Secured loans are also useful for applicants who have debts that they want to pay off over a longer period – an option which may not be available from their current lender.
At Ocean Finance, the process of applying for secured loans is simple. All you need to do is complete the online application form on our website, at which point one of our highly-skilled underwriters will find a secured loan which suits your circumstances.
Because we're both a lender and the UK's leading finance broker we're able to offer hundreds of secured loans plans from our own selection or from one of the many other leading secured lenders on our panel.
The second stage involves us sending you an offer of finance and then it's up to you to decide whether you wish to proceed. You're under no obligation to accept any offer we make, but if you do decide to proceed you can return the documents in the freepost envelope provided and we'll move onto the final stage.
That simply involves our own expert staff efficiently processing your offer and arranging for the lender to send your secured loan funds to you.
Secured Loan amounts that we can offer will vary based on a number of criteria. We'll take into account the value of your property, your ability to repay the loan and your personal circumstances at the time you apply for the loan.
The lenders will also use these factors to determine the term of your loan, but one of the advantages of secured loans is the fact that they can be spread over much longer periods – sometimes as long as 25 years. This provides a great deal more flexibility in paying off the loan, which may make your finances a little simpler.
Whatever the amount and term of your secured loan, you can rest assured that with Ocean Finance, you will get the best loan plan that we have available from our lender panel– be it one of ours or one from the hundreds of other top deals we offer.
Ocean Finance is the UK's leading finance broker* and could help you raise money for almost any purpose with our vast range of secured loans.
Ocean Finance has access to thousands of secured loan plans which enable us to find a plan to suit you. The secured loans are at competitive rates, as well as specialised plans if you have an adverse credit rating. Whatever your circumstances Ocean may be able to help.
Raise up to £100,000 for almost any purpose a new car, home improvements, a break away or consolidation of existing debts. Ocean has a wide range of secured loan plans to suit your individual requirements and needs.
Apply online for your free no obligation quote
An secured loan could be used to help consolidate all of your existing credit cards, store cards and unsecured loans, leaving you with just one manageable monthly repayment spread over a term to suit your needs. Bear in mind by extending the term over which you repay your debts may increase the amount of interest you pay overall
A secured loan is a loan where you use your home as security for the lender, and whilst this can mean you may be able to borrow more than on an unsecured basis it also means your home is at risk if you do not keep up your repayments. The amount available, the term and the Annual Percentage Rate (APR) will depend on:
the value of your property
your ability to repay the loan
your personal circumstances
An Ocean Finance secured loan often allows you to borrow more and repay over a longer period than a unsecured personal loan with terms up to up to 25 years. They can normally be used for almost any purpose and may be available to people who have previously been turned down for an unsecured loan. Borrowers who are self-employed, have recently changed jobs or have previous credit problems will also often be considered for a secured loan.
When you apply to Ocean Finance for a secured loan your loan application will be passed to an underwriter who will examine your application and find the lowest rate secured loan plan we have available. Ocean Finance is a finance Broker which means we have access to a number of secured lenders as well as our own in house lender Ocean Money. We will search all the lenders from our panel to find a suitable secured loan for your individual needs and circumstances.
OUR TYPICAL, VARIABLE RATE IS 17.9% APR. MOST PEOPLE WILL RECEIVE A LOWER RATE THAN THIS.
RATES RANGE FROM JUST 9.7% to 29.9% APR.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Homeowner Loans Secured On Your Home
Use an Ocean Finance UK homeowner loan to consolidate all your existing credit cards, store cards and unsecured loans leaving you with just one convenient, manageable monthly repayment and improve your cash flow. Alternatively use your Ocean Finance any purpose loan for items such as a new car, home improvement jobs or a holiday. Even if you have bad or adverse credit, county court judgments (ccj's) or mortgage arrears you may still qualify for a home loan through Ocean Finance.
"Ocean Finance®", "Ocean Mortgages®", "Ocean TV®","Ocean Finance TV®", Ocean Money® and Ocean® are registered trademarks of Ocean Finance and Mortgages Limited. The use of these marks is strictly restricted to our approved suppliers only. Any infringement of this will be vigorously pursued. 'Ocean Finance' and 'Ocean Mortgages' are trading styles of Ocean Finance and Mortgages Limited. Company Registration Number 4892540.
We are authorised and regulated by the Financial Services Authority for the provision of mortgage advice and arranging insurance. We are a licensed credit broker under the Consumer Credit Act 1974
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