Ocean Finance and Mortgages helps thousands of people every year to achieve their goals. Even in this difficult climate Ocean is still raising millions of pounds to help our customers sort their finances.
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OUR TYPICAL, VARIABLE RATE IS 17.9% APR. MOST PEOPLE WILL RECEIVE A LOWER RATE THAN THIS.
RATES RANGE FROM JUST 9.7% to 29.9% APR.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
If you're struggling to pay off a range of debts, consolidation loans may offer you a way to get back in control of your finances.
Virtually everyone has some form of loan or debt that they may wish to pay off typically, people could have a couple of credit cards, store cards and a major purchase like a car to pay off that's a lot of outgoings to keep track of.
According to Credit Action, Britons owe close to £1.5tn (£1,455bn) to various lenders, so you're not alone in looking into consolidation loans, which can pay off everything you owe, leaving you with just one manageable monthly payment.
But that's not all consolidation loans can also reduce the amount of interest that you have to pay on your debts if you are currently only paying the minimum payments.
To seek a consolidation loan from Ocean Finance, you just need to follow three simple steps.
First, you need to complete the simple form on our website, so one of our dedicated underwriters can find a deal that best matches your requirements.
We then let you know which offer works out best for you from our panel of lenders and post out the agreement for you to check, sign and return in a freepost envelope.
The final stage of the process involves Oceans staff who efficiently process your offer and arrange the funds to be released to you.
For more details about how consolidation loans could help you, contact Ocean Finance today.
Consolidation loans can help you transform all your debt payments into just one manageable outgoing, which can provide you with a number of benefits.
At present, the country as a whole has £1,455bn of personal debt, according to Credit Action, and it's growing all the time, suggesting that people either feel as though they have to borrow to fund their way of life or they're struggling to pay off what they owe and the interest is growing.
The debt charity also reveals that the average household's debt sits just below £60,000, meaning that consolidation loans may be one solution worth considering.
Thousands of people have done more than consider consolidation loans they've taken them out and have eased their cashflow by only making one repayment each month, rather than the multitude that they did before their consolidation loan combined their credit cards, store cards and personal loans into one payment.
With consolidation loans, you'll ultimately pay back everything that you owe, but you won't be feeling pressured by multiple creditors chasing you for the money owed to them.
Consolidation loans work by paying off all your individual creditors by transferring the amount that you owe into the one repayment which you'll pay back to your lender.
As well as reducing your outgoings, there are other benefits to consolidation loans which may make your life easier in the medium- and long-term.
For one, you'll only pay the money back at one rate of interest, rather than the wide variety of interest rates that could be attached to your original loans, so you'll save yourself a lot of hassle.
You may be able to improve your credit rating by paying off your consolidation loans on time and not building up any extra debts.
Here at Ocean Finance, the process of obtaining consolidation loans couldn't be simpler there are just three simple steps to take and then you could be back in control of your finances.
The first thing you need to do is click on the quote button or call the free phone number on screen there's just a simple form to fill in asking a few straightforward questions that can help our dedicated, experienced underwriting team examine your circumstances and find an offer from our panel of lenders which best suits your situation.
Because let's make no mistake everyone's circumstances are different and there are many consolidation loans around, so it's important for us to find the right one for you.
We'll then get in touch to tell you which offer we think will help you the best and if you agree, we'll post out the agreements for you to sign and return to us in a freepost envelope.
The final stage sees our expert team efficiently process your offer and arrange the funds to be released to you so that you too can begin to feel the possible impacts of consolidation loans.
So when you're looking into consolidation loans, why should you choose Ocean Finance?
Well, we're the UK's leading financial broker * and we can offer a wide range of loans on top of the consolidation loans that we have available.
Perhaps most importantly for people looking to get back in control of their finances, we probably say 'yes' to more people than any other finance broker around, so you're much more likely to get the result you want when you come to us after all, we've helped tens of thousands of people over the years, so we must be doing something right.
Consolidate your Debts into One Affordable Monthly Payment, If you are currently in a tricky situation with your finances and juggling payments to more than one lender, you are not alone. But rather than trying to pay off the minimum amount for each debt, a debt consolidation loan could reduce your debt to one manageable monthly payment. However, you need to look at all of the relevant issues as a debt consolidation loan may not be right for you. Ocean Finance is a leading finance provider with many year experience help people restructure there finance's, Ocean Finance have access to many debt consolidation loan plans from a number of different lenders so we can search for the loan plan that best suits your individual circumstances.
A debt consolidation loan is a loan that will pay off your existing debts and transfer the monies owed into one loan, this can help you restructure your repayments into one manageable monthly payment. You will still have to pay back all the monies owed, but with a debt consolidation loan you may be able to reduce your monthly outgoings, pay a lower rate of interest, or be able to spread the costs out over a longer time period. The rate you will receive will depend on your individual circumstances and it is important to note if you extend the loan period you may end up paying more over the term, When you apply online to Ocean Finance your application will be passed to an experienced underwriter who will examine your circumstances and search for the best debt consolidation loan from our panel of lenders, they will happily answer any questions or queries you may have and will aid you through the consolidation process from start to finish, all quotes are free and their is nothing to pay until the loan is completed.
If you are careful about managing your spending, a debt consolidation loan can help by:
reducing your monthly payments. By spreading out the term of the debt you will often be able to reduce your monthly repayments to a manageable level. Many people are often paying the 'minimum payment' allowed on the existing debts. This often just means covering the interest component of the loan while leaving the actual total amount owed unchanged.
improving your credit rating. If you are able to pay off the loan and accrue no further debt, this could be seen as a positive impact on your credit rating by other lenders for future applications for credit.
OUR TYPICAL, VARIABLE RATE IS 17.9% APR. MOST PEOPLE WILL RECEIVE A LOWER RATE THAN THIS.
RATES RANGE FROM JUST 9.7% to 29.9% APR.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Homeowner Loans Secured On Your Home
Use an Ocean Finance UK homeowner loan to consolidate all your existing credit cards, store cards and unsecured loans leaving you with just one convenient, manageable monthly repayment and improve your cash flow. Alternatively use your Ocean Finance any purpose loan for items such as a new car, home improvement jobs or a holiday. Even if you have bad or adverse credit, county court judgments (ccj's) or mortgage arrears you may still qualify for a home loan through Ocean Finance.
"Ocean Finance®", "Ocean Mortgages®", "Ocean TV®","Ocean Finance TV®", Ocean Money® and Ocean® are registered trademarks of Ocean Finance and Mortgages Limited. The use of these marks is strictly restricted to our approved suppliers only. Any infringement of this will be vigorously pursued. 'Ocean Finance' and 'Ocean Mortgages' are trading styles of Ocean Finance and Mortgages Limited. Company Registration Number 4892540.
We are authorised and regulated by the Financial Services Authority for the provision of mortgage advice and arranging insurance. We are a licensed credit broker under the Consumer Credit Act 1974
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