Debt Management

Debt Management Plan Debt Management Advice Glossary FAQ's Terms and Conditions
IVA

IVA Advice IVA as a debt solution IVA in Scotland Glossary FAQ's Terms and Conditions
Secured Loans

What is a secured loan? Adverse Credit Secured Loan Personal Secured Loan Glossary FAQ's Terms and Conditions
Remortgages

Remortgage Problem Glossary FAQ's Terms and Conditions
Mortgages

Bad Credit Mortgage Mortgage Refinancing Glossary FAQ's Terms and Conditions
Bankruptcy

Bankruptcy Advice Personal Bankruptcy Bankruptcy Law Glossary FAQ's
About Us

Group Structure Harrington Brooks Ltd One Advice Ltd Ask Finance Ltd

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LOANS MAY BE SECURED ON YOUR HOME. THINK CAREFULLY BEFORE SECURING DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

For mortgages and re-mortgages the overall cost for comparison is 8.5% APR variable and for secured loans 14.5% APR variable. The actual rate will depend upon your circumstances. Ask for a personalised illustration. A fee may be payable on completion. For mortgages and re-mortgages this fee is typically £2500. This fee may be up to 3% of the gross mortgage amount, subject to a minimum of £1995 and a maximum of £2,995. For secured loans the fee will typically be a minimum of 10% of the loan value. The precise amount will depend upon your circumstances.

Unsecured debts only. Fee Payable. Conditions apply. May affect your credit rating. Payment period may extend, interest and charges may continue.

Entering into an IVA may adversely affect your credit rating for up to six years from the date of approval. Your property will be protected within an IVA but you may be required to release all or part of any equity during the period of the arrangement. Failure to complete the term of an IVA can result in bankruptcy.

In terms of solving debts, bankruptcy is an extreme solution, and is only suitable for debtors when all other options are exhausted. Always take expert advice from an Insolvency Practitioner.

Ask Finance Ltd is registered in England and Wales (company number 4229724), Jackson House, Sibson Rd, Sale, Manchester, M33 7RR. Ask Finance is licensed under the 1974 consumer credit act to carry on the business of consumer credit, consumer brokerage, debt adjusting and debt counselling. Consumer Credit License No: 507130. Ask Finance is authorised and regulated by the Financial Services Authority (FSA) - FSA No: 300490 - for the provision of mortgage advice and arranging insurance.