In simple terms your 'equity' is value stored up in your home after deduction of your outstanding debts such as mortgages and any second charge loans in place.

Your hard work and effort in building up this equity, or paying down your debts, can serve you well in times of financial need.  This equity can act as a strong negotiating tool when you are looking to realise funds to help you in the short term to put your finances back on track.  They are not the only means of turning round a deterioration in your current financial position but it's an option you should consider when faced with the need to quickly raise additional funds. 

These home equity release loans, or just home loans as they are often referred to, can be used for a wide array of purposes, even to tidy up existing home loans which are no longer fit for purpose.  And remember, loans can now be taken to meet many of these every day financial needs:

* Complete structural changes or give your home a face lift by decorating using the best home improvement loan best home improvement loan
* Buy a used or new car
* To consolidate outstanding debts and credit no longer fit for purpose 
* For school fees or educational purpose 
* To fund a wedding or special holiday  

Home equity release loans are generally flexible and offer terms such as:

* loan amounts from £5,000 to £500,000 (an unsecured loan may be better if you have lower borrowing needs)
* repayment terms from 5-25 years
* good for employed and self employed applicants
* no hidden fees
* Competitive interest rates if you find the best suppliers
* Flexible repayment terms to meet almost any budget

The downside to a home equity release loan is that it's secured in nature.  This means that it's using your home as buying power to help you realise the loan.  So while this is the upside, the downside is the reality that, should you fail to pay the loan, you may risk loosing your house.

It's fair to say that we cannot always find a loan for everyone, no one can realistically make or deliver on this claim.  What we do promise is to be open, honest and give you a clear appraisal of your own options, even if you've had past issued with creditors including any arrears, CCJ's, IVAs, or bankruptcy.