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Sometimes you need to borrow money on a short term basis and for purposes that make it inadvisable to secure the debt against your home over a prolonged period of time.

For smaller purchases short term finance is usually cheaper overall because even though the interest rate may be slightly higher the debt is  repaid much more quickly than mortgage based borrowing.

Short Term Finance comes in a variety of guises including:-

Bridging Loans - Short term finance designed to enable a purchase of a property before you have completed on the sale of your current home.

Personal Loans - Short term unsecured loans for major purchases such as a vehicle, furniture and household items, a wedding or a holiday of a lifetime. You do not need to be a homeowner to take a personal loan.

Credit cards - A "rolling credit" facility which allows money to be borrowed, repaid and then re-borrowed multiple times and which is generally best for very short term lending.
 




And where it is advisable to secure the debt against your home there are other long term finance options available such as:-

Second Charge Loans - If you are a homeowner and you need to borrow a substantial amount of money for any purpose you may be able to secure the loan against your home which may make the monthly payments cheaper than other types of unsecured finance.

Remortgaging - Changing your current mortgage from one lender to another to get a better or more suitable interest rate deal and / or a higher amount of borrowing which can release a part of your equity as a cash advance.

With so many options available call Thomas Dobner today to arrange your no obligation meeting to discuss your own individual circumstances and find out how best to borrow the money you need.

 

 

Thomas Dobner, Bowden & Partners Estate Agency, 66 Fore Street, St Marychurch, Torquay, Devon. TQ1 4LX
LANDLINE: 01803 312364                   MOBILE: 07977 077378                  EMAIL: Thomas@ThomasDobner.co.uk

Thomas Dobner is an appointed representative of Personal Touch Financial Services which is authorised and regulated by The Financial Conduct Authority.
Some of the products / services shown are not, or may not be, regulated by the Financial Conduct Authority.
Thomas Dobner does not normally charge a fee for mortgage advice, however this will depend on your circumstances. If a fee is charged a typical fee would be 250.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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