One 2 One Finance Direct - Providing loans, mortgages and debt solutions

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As a homeowner you can try to borrow either secured or unsecured. We offer both from a minimum value of £5,000 We will explain the options available to you based on your current circumstances. We do not charge any up front fees, and there is no cost to enquire

As a tenant you can only take an unsecured loan unless you are borrowing for a car. Tenant loans range in value from £1,000 - £25,000. We have partnered with two tenant loan lenders.

As the term suggests there are short term loans between £80-£750 without a credit check that is intended to bridge the borrower's cashflow gap between pay days. You must have a regular income and an active bank account with a debit card. In some circumstances a cheque book on the same bank account is required.

rovident Personal Credit offer loans from £50 - £500. They offer a friendly door-to-door service with some post code restrictions. You do not need a bank account or debit card . You pay the loan back over the agreed period of time.

 

 

We can source for you mortgage products including FIRST TIME BUYER, NEXT TIME BUYER, REMORTGAGE, BUY TO LET, RIGHT TO BUY, COMMERCIAL, BUSINESS, SELF CERTIFICATION, LIFETIME and SHARED OWNERSHIP mortgages. We do not charge any up front fees, and there is no cost to enquire

As a homeowner you may be able to borrow against the equity which has built up in your home by remortgaging. If have an existing mortgage and wish to remortgage to either reduce you existing monthly payments or to release some equity from your home. We do not charge any up front fees, and there is no cost to enquire

Bridging loans are short term, higher value loans, usually secured on a property. The most common use for bridging loans is to fund the purchase of a new property, when you won't be receiving the proceeds from selling another property for a month or two.

If you are looking to deal with lenders who specialise in adverse car lending then feel free to enquire with the following lender who we have partnered with APPROVED CAR FINANCE

 

This should be your first course of action if possible. Secured and unsecured loans to help tenants and homeowners consolidate all their debt at a potentially lower rate of interest.

This can be an informal arrangement set and managed for you. The debt management plan generally provides for creditors to get a reduced payment each month. Debt management is only appropriate if the total unsecured debt is less than £20,000 or if the debt is capable of being repaid over a reasonable period of time, usually less than 5 years. The initial requirements to enter into a Debt Management Solution are 1) you are in financial difficulty, 2) you owe at least 3 or more creditors, 3) you have unsecured debts / loans in excess of £5,000 and 4) you have a monthly disposable income of at least £100.

Is an alternative to bankruptcy. It is basically a contract between you and your creditors. The terms of your proposal to creditors may be very flexible, but creditors will reasonably expect their prospects of recovering money to be at least as good as in bankruptcy. The initial requirements to enter into an IVA are 1) you are in financial difficulty, 2) you owe at least 3 or more creditors, 3) you have unsecured debts / loans in excess of £15,000 and 4) you have a monthly disposable income of at least £250.

A bankruptcy order, often considered as the last resort, may be obtained by any creditor owed more than £750 or you may ask the court to make an order. Subject to certain exemptions, bankruptcy means that your assets (special rules apply to your home) are sold and money is used to pay your creditors as much as possible. We have partnered with a company that can assist you with a bankruptcy.

If you are looking for or need another credit card why not visit

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It will cost you nothing to enquire, you are under no obligation, it only takes a minute plus you get a quick decision in principle. We try to find the best lender to suit your immediate needs then let you know what your options are. Let us show what we can do. Just click on the product which is right for you to enquire.
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