Loanspage offers a unique service - Loanspage will find and then fill-in the application forms of financial lenders for you, getting them to make their best offer to you.

Loanspage offer brings you the POWER of the INTERNET using a specialised database search and match service.

The Loanspage system will automatically find the right financers for you and where possible fill in their application forms on your behalf. Much better than you having to apply for each individual loan.

You will have seen television and newspaper adverts of many different loan companies. You couldn't possibly contact every company - but wouldn't it be very nice if every company contacted you to make a case for their offer being the best?

If every lender made you an offer through email or letter, you would be able to consider the best loan offer for you - rather than having to make your case for your loan to each individual company.

This is what Loanspage is all about - we take your details just once - then the lenders make you an offer.

The Loanspage service is ideal for clients that may have had difficulties due to arrears, County Court Judgements or finance defaults.

How can Loanspage be a FREE service?

There are lots of choices now-a-days on how to get your loan:

• Telephone one of the many helpful companies you find on the television and radio.
• Contact one of the good deals you get in the post from your bank or credit card.
• Pop down the street to an independent financial advisor.

On the television, perhaps you enjoyed the female personality describing the service - or you thought the handsome young man walking around the set was persuasive. Maybe the older gentleman in a suit (who happens to give a different contact telephone number depending on the TV channel), or the series of interviews of people "in their homes" had you thinking that the financial company was right for you.

Do you notice the one thing each of these have in common? They are companies that employ people to advertise the company, speak with you on the customer service desk and work a computer on your behalf. All of these 'costs' are paid for by YOU in brokerage fees and hidden charges. Loanspage is different.

Loanspage are a full licensed United Kingdom credit broker. Being primarily an Internet computer loan service YOU get to manage the computer part of the loans process yourself... saving you money. Using the Loanspage service:-

1. You fill in just one form using your computer and web browser (less cost to you).
2. Loanspage database system works fast to match your loan application with potential lenders (less cost to you).
3. Loanspage electronically transmits your loan application to the lenders who can help (less cost to you).

So, as you don't have to pay extra charges on your loan, our service is FREE OF CHARGE.

How does Loanspage work?

Loanspage has a number of fast ways to find lenders for your loan.

For example, it has a private database of detailed financial money loans and mortgages. Another way is the Loanspage searches the Internet for appropriate brokers and lenders who may be able to populate the Loanspage database.

When you create your loan application with Loanspage, their system quickly and automatically matches your details against all of their available loans. When a match is made your details are immediately transmitted to the selected financial institution through the power of the Internet.

This means that you don't need to complete an individual form on your own for every loan or mortgage application that you make.

Your loan is transmitted to lenders within a few minutes of your application!

How much does it cost to use Loanspage?

The Loanspage service costs you nothing, No fees to you - guaranteed.

All of Loanspage charges are paid for by major financial corporations - Loanspage don't charge you a penny.

The Loanspage system matches your loan or mortgage requirements to the best set of lenders. This selection is based upon the type of loan you require and your own personal circumstances - Loanspage categorically state that no selection is based upon the rates of commission that Loanspage receive.

It is possible that lenders - not Loanspage - will ask you to pay a set-up fee for the loan or mortgage. This fee is simply the usual one applied by the lenders, and would be the same if you had not used Loanspage's service. This fee however, will be stated up front by the lender concerned when you receive their form to sign. If you are not happy with paying the fee, you simply need not return that particular application - simply choose another - there is no obligation.

What happens with my loan application?

Just by filling in Loanspage's simple loan application form their system will quickly and automatically choose the best loan and mortgage deals for you. Once the financial lender receives your details from Loanspage, they will contact you for you to make your final decisions.

Clarification: Loanspage is a credit licensed company that passes on your loan application into financial lender's loan application systems - Loanspage is not a lender, you are applying for a loan through our broker service. Loan applications sent to matching brokers and lenders are made using your contact information, so any confirmation or acknowledgement will be sent to you directly, not to Loanspage.

Secured or Unsecured - which loan type should I choose?

If you own your own home (or pay a mortgage), choosing a secured loan indicates to the lender that if (in the unlikely circumstances) you become unable to keep up the payments, the value of your home (your "equity") will be able to help to pay back the loan.

In addition, people wanting to borrow tens of thousands of pounds may find it difficult to obtain an unsecured loan for this amount, but may find it easier with a secured loan.

This gives the lender a more secure sense of you as a borrower and hence:-

• It becomes easier to borrow large amounts of money.
• The Interest rates for your loan tend to be lower.
• Your chances of receiving a loan are higher.
• You pay less for borrowing the loan.

A little known fact is that many lenders will change an unsecured loan to a secured loan if you cannot keep up the payments (it's usually in the small print). Now, if you have been paying higher interest rates for an unsecured loan you may have been paying much more interest than you need to.

Loanspage - Secured Loans

• Pay lower interest rates than Unsecured
• General loan for many purposes
• Ideal for those who own their own home
• Your property is used to "guarantee" that you can pay the loan - which improves how lenders regard your circumstances when considering you for a loan

Loanspage - Unsecured Loans

• Pay higher interest rates than secured
• General loan for many purposes
• Ideal for tenants or those who do not own property
• Especially suitable for small loans below £10,000
• Higher risk for lenders

Note: If you own your home, then your property value can be taken into consideration if you were unable to pay back the loan. This is the same as a secured loan - but you will have been paying higher interests rates with the unsecured loan.

Loanspage - Mortgage Loans

• Used to purchase property - a home or a building

Loanspage - Re-Mortgage Loans

• Using an existing property's value (it's "equity") against a loan
• Using the property helps to secure a higher loan amount
• Especially suitable for those wanting to move their mortgage from one company to a better one

Loanspage - Commercial Loans

• Loan for a commercial/business venture
• Usually a minimum application of £25,000 is allowed.

How fast is Loanspage at finding a loan?

It will take you about five minutes to complete our form. This asks you for all the information any of Loanspage's registered lenders may require from you.

Once you submit your form Loanspage's database goes searching for lenders within 10 minutes.

Very often Loanspage's customers receive a response from lenders within one hour of completing their Loanspage loan application.

Do I have to accept a loan offer?

You are under no obligation to accept any loan offer.

With the Loanspage service you are simply indicating that you are interested in a mortgage, personal or commercial loan. The financial lenders respond to you based upon the personal details you supply. That's the end of it.

Of course, if a lender responds to you with an offer you just can't refuse - you can go right ahead and respond to the lender's offer.

Loanspage do NOT guarantee that you'll get a loan!

Loanspage's free system is just a tool to help people get loan applications sent to them. Loanspage don't provide loans ourselves and Loanspage don't guarantee that their system will be able to find you a loan.

What Loanspage do guarantee is that your loan details will be matched against the brokers that we find, and if Loanspage's system makes a suitable match your details will be forwarded on - and used to fill in application forms. Usually, you'll hear back from the broker (a "yes" or a "no"), but sometimes you might not. At least if you don't hear back from a broker you won't have wasted time completing their form... Loanspage's system will have wasted its time for you!

How many "matches" will Loanspage make for me?

Because Loanspage is so flexible Loanspage can't say exactly until you complete your loan application. You can, however, switch off Loanspage's loan search engine when you think enough matches have been made.

The Loanspage system might fill in many forms for you, it might fill in only one, it might fill in none at all. This depends entirely on the information you provide and the information Loanspage store in our database.

Imagine if you had to fill in lots of applications forms on your own! The Loanspage system will do that for you.

I'm concerned about lots of credit searches/checks

No need to be. Today, it is quite normal for companies to perform credit searches upon on when you are seeking a loan or any other financial credit (e.g. buying a mobile phone, subscribing to a catalogue, buying a try-before-you-buy book (for example, from Reader's Digest) or renting a cable or satellite service).

Using Loanspage to get the best credit deal should not generate an abnormal number of searches, as a search should only be conducted in response to an actual application for credit. When shopping around, people usually obtain basic details of offers from a range of lenders and probably make an application only in response to that which they consider the best deal.

Consumers will always be informed by the lender, orally or in writing, before a credit reference check is being carried out. You should also be notified if credit account information is to be stored with a credit reference agency.

Credit searches are recorded on your credit record - your record simply states that a particular company checked your credit status and what date this took place. Any result of your credit check, or the checker's opinions, are not recorded on your record. Your credit rating is not altered by a check.

How do I contact the lenders?

You don't need to. When the Loanspage system finds a lender that it thinks can offer you a loan, the system will send your details to the lender on your behalf. Your account's match-log will show the names of the brokers that system used to record which lenders were contacted, and there's a telephone number on most of them if you wish to telephone your enquiry directly with the lender that may be working on offering you a loan.

You never need to worry about making telephone calls and writing letters to lenders who are not interested in offering you a loan.

Loanspage gets the lenders to contact you.

Is the Loanspage system secure?

Creating an account and applying for a loan are all done through Loanspage's digitally encrypted SSL server. Data coming from your web browser is encrypted so that no-one can see it as it travels from your web browser to Loanspage's server.

All personal details are held in a database which is protected against Internet fraud. Your account can only be opened using your password. Loanspage also log all transactions against the IP address of your web browser.

Is my information private?

Loanspage do not make your information available to anyone other than the financiers who's criteria match your loan application.

Currently, a very small percentage of brokers and lenders can accept data in a secured or encrypted format, therefore your data is unsecured during transmission to their system through internet means like email (just like it would be when faxed).

When the loan lender offers a secure XML service, Loanspage take advantage of that service to ensure that your personal details are transmitted securely.