Re-finance personal loan — MoneySavingExpert Forum

Since then I started using a credit card, made sure not to go over the 20-30% utilization, paid both the loan and credit on time, but also moved my savings to a different bank for a better interest. …

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Re-finance Personal Loan — MoneySavingExpert Forum

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Re-finance A Loan — MoneySavingExpert Forum

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Dec 20, 2013 · I used to have a 'poor' credit rating due to the amount of debt I had, as I was using about 90% of my available credit.

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Worth Trying To Refinance A Loan? — MoneySavingExpert Forum

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Feb 2, 2023 · Please remember that most loan companies charge (usually 56 days but check your contract) interest when you settle early. So say if you refinance, you are saving £500, but to …

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Loans — MoneySavingExpert Forum

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May 28, 2015 · Hello all, I have a loan term personal loan with MBNA with an outstanding balance amount of £6,700 and 32 months left to complete. i am paying approx £20 each month for …

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Is It Worth Paying My Mortgage Off Early? - MoneySavingExpert …

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3 days ago · Hello, I am about to inherit enough money to pay off my £20,600 mortgage, which has a fixed 2.15% deal until 30/04/2027. My mortgage expires in 3 years and 5 months. I have …

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Mortgage Decision - MoneySavingExpert Forum

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We're moving from our 5 year fix 1.78% mortgage to a new deal at the end of the month. At the moment we've locked in a 4.93% 2 year fix. I've seen the interest rate news today. Do you …

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Bank Of England Reduced The Rates, But HSBC Increased The …

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1 day ago · At the end of January, HSBC offered me a 2-year fixed rate at 4.20%. By February 5th, the same deal had increased to 4.25%. Today, after the BoE reduced rates by 0.25%, …

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FAQs about Re-finance personal loan — MoneySavingExpert Forum Coupon?

How do I know if I'm better off on a loan?

Plug the old and new loan details into our calculator and it will tell you if you’d be better off, after factoring in any charges to pay it off early (note the calculator assumes you will borrow the new amount over the same remaining number of months). Find out how much you could afford to borrow with MoneySavingExpert’s loan calculator. ...

What should I do if I'm a reliable borrower?

Stay out of your overdraft. Lenders like to see that you're managing your money well, and – more importantly – that you have enough cash to repay them each month. Buying large items and dipping in and out of your overdraft won't mark you as a reliable borrower. ...

How do I know if I'm accepted for a loan?

Usually, applying to a lender is the only way to know if you'll be accepted for a loan. Yet that marks your credit file, and could affect your ability to get future credit. Our Eligibility Calculator uses a 'soft search' to calculate and show your chances of acceptance before applying. How do lenders decide whether to give you a loan? ...

How do I look at remortgage rates?

Before you can start to look at remortgage rates, you need to get a view on what your property is worth. It does need to be realistic as when you apply for a mortgage the lender will instruct an independent valuer to confirm the figure. Don't just a pluck a figure out of the air. Do some research – use our Free house price valuations guide to help. ...

What if I'm rejected for a remortgage?

If you're rejected for a remortgage – FREEZE! Don't automatically apply again with a different lender. Too many applications will mess up your credit score, so don't do it. Instead, the first thing to do is to check your credit file again. Could you have missed something? At all costs, avoid the rejection spiral. ...

Should I get a new loan if I'm paying more than 6%?

If you're paying more than 6%, it's worth checking if you can save by getting a new loan to pay it off. This guide shows you how to find the best new deal, and has a unique loan-switching calculator so you can see if you'll save. Please note: This article is about unsecured loans, the type sold by most high-street lenders. ...