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0871 855 1135 7.39% Mar 2011 8.75% 8.7% APR 75% No overhang Our opinion: HEAVY ADVERSE LIBOR TRACKER another adverse product from Salt, with a fee of 895 but more flexible lending criteria. Defaults, CCJs and missed payments will be ignored. Discharged bankrupts and satisfactory IVAs will also be accepted. [John Myers] bad credit home loan uk

Buy to Let

Giraffe Money 0871 855 1735 5.57% October 2010 7% 7.1% APR 85% No overhang 2nd bad credit mortgage

Our opinion: TRACKER a good loan to value ratio, with higher lending charge being paid by provider. Arrangement fee of 999 however the lending fee of 195 which is due on completion may be deferred until the mortgage is fully paid. [John Myers] bad credit loan unsecured

0871 855 1235 6% 2 Years 6.95% 7.1% APR 85% No overhang Our opinion: TRACKER good loan to value ratio in mortgage specifically tailored for Buy to Let customers from a well-known building society. There is a fee of 999 for this product; however the provider also offers another mortgage with a smaller arrangement fee which has a corresponding higher interest rate. [John Myers] 0871 855 1730 6.25% 2 Years 7% 7.2% APR 75% No overhang bad consolidation credit loan

Our opinion: TRACKER a competitive interest rate of 6.25% with no arrangement fee. The minimum loan amount is 30, 000 and you must be at least 25 years of age. [John Myers] Darlington BS 0871 855 0820 5.69% May 2011 7.37% 7.3% APR 80% No overhang Our opinion: DISCOUNT an average (for BTL) fee of 674 and decent loan-to-value make this a good offering from a smaller provider. You will need 134% rental cover and the maximum loan is 300, 000. [John Myers] bad credit home loan new

Bath BS 0871 855 1549 6.1% 3 Years 7.5% 7.7% APR 80% No overhang Our opinion: DISCOUNT arrangement fee of 0.4% of the loan (minimum 395) is reasonable and the maximum loan size is 2.2 million. Requires 125% rental cover. [John Myers] 0871 855 1498 6.2% March 2011 7.5% 7.5% APR 85% No overhang Our opinion: DISCOUNT a good loan to value ratio with reasonable 599 application fee. No higher lending charge is payable, and has the option to pay up to 10% in overpayments per year with no early repayment charges. [John Myers] bad business credit loan

0871 855 1121 5.59% May 2013 7.85% 7% APR 80% No overhang Our opinion: FIXED - a good loan to value ratio for Buy to Let properties, with a low fixed rate and average fee of 695. [John Myers] Cheshire BS 0871 855 0848 5.65% 2 Years 7.34% 7.4% APR 80% No overhang Our opinion: FIXED only 100 of arrangement fee is payable on application. The remaining 1, 399 will be added to the mortgage with no interest charged for the first 12 months. Available to applicants aged 25 and over who have a single income of at least 20, 000. Featured in the Mail on Sunday (17-02-08) Best Buy tables. [John Myers] bad credit lender mortgage

The Mortgage Works 0871 855 1135 5.99% June 2013 7.24% 7% APR 85% No overhang Our opinion: FIXED a longer term fixed rate ideal for those who don want to remortgage frequently. No arrangement fee or higher lending charge is payable. [John Myers] bad credit home loan mobile

Fixed/Capped

first direct 0871 855 1735 4.75% 2 Years 6.25% 6.3% APR 80% No overhang Our opinion: FIXED very low rate that comes with an offset facility so you can use your savings to reduce the amount of interest you pay on the mortgage. The maximum loan size is 300K and there is a fee of 1, 498. This product has appeared in the Sunday Telegraph (17-02-08), Mail on Sunday (17-02-08) and Sunday Times (17-02-08) Best Buy tables. [John Myers] bad cash credit loan

0800 066 5802 5.25% March 2010 7.59% 7.6% APR 95% No overhang Our opinion: FIXED great value 2 year fixed rate up to 95% of property value, with a reasonable fee. Exceptionally good value for 90% and 95% mortgages as unusually there is no rate loading or higher lending charge for higher loan to value. [John Myers] 0871 855 1730 5.29% April 2013 6.75% 6.3% APR 95% No overhang Our opinion: FIXED a low arrangement fee of 499 with a good loan to value ratio. However if you borrow over 90% of the loan to value there is a higher lending charge of 1.5% of your total borrowing. [John Myers] bad credit loan private

Dunfermline BS 0871 855 1599 5.29% May 2013 7.39% 6.6% APR 90% No overhang Our opinion: FIXED a competitive interest rate from a smaller provider with a reasonable arrangement fee of 599. [John Myers] 0871 855 1735 5.39% 3 Years 6.54% 6.5% APR 90% No overhang Our opinion: FIXED low arrangement fee of 499 with free valuation for all customers. There are no legal fees to pay for remortgages. Also has the ability to offset your savings against the mortgage to reduce the interest payable. Featured in the Mail on Sunday (17.02.2008) Best Buy tables. [John Myers] bad card credit debt

0871 855 1586 5.39% 2 Years 7.34% 7.3% APR 95% No overhang Our opinion: FIXED has an arrangement fee of 1, 499, however only 100 is payable on application and the remaining 1, 399 will be added to the loan on completion with no interest charged for the first 12 months. No higher lending charge if you borrow up to 90% loan to value. For loans over 90% loan to value there will be a higher lending charge but this can also be added to the loan. [John Myers] bad business credit loan small

0845 249 0017 5.58% May 2013 7.59% 7% APR 90% No overhang Our opinion: FIXED special semi exclusive deal, backed by a well-known high street lender. Low arrangement fee of 499 and valuation fees of up to 1190 will be refunded for remortgage customers. Product is portable so can be transferred to another property if you decide to move in the future. [John Myers] 0871 855 1498 5.9% July 2010 7.59% 7.5% APR 80% No overhang bad bankruptcy car credit loan

Our opinion: CAPPED a product capped at 5.90% but that currently tracks at 0.30% above the base rate. Has a completion fee of 595. [John Myers] 0871 855 0554 6.09% October 2009 7.34% 7.5% APR 95% No overhang Our opinion: CAPPED a fee of 999 but no higher lending charge and a good loan to value. The rate will not go above 6.09% for three years but the current rate is 5.49%, a discount of 1.85%. Featured in the Sunday Telegraph (17-02-08) and Sunday Times (17-02-08) Best Buy tables. [John Myers] bad credit instant loan

First Time Buyer All products have no Higher Lending Charge or extended tie in unless stated otherwise

Newcastle BS 0871 855 0554 5.45% January 2010 7.59% 7.6% APR 90% No overhang Our opinion: TRACKER a reasonable fee of 499, with a small minimum loan amount of 15, 000. Provider is currently offering free accident, sickness and redundancy cover for the first 3 months of mortgage. [John Myers] bad credit equity loan

Stroud Swindon BS 0871 855 0815 5.64% February 2010 7.24% 7.3% APR 90% No overhang Our opinion: TRACKER a small fee of 499 is payable and up to 25% of the loan can be repaid before February 2010 without charge. [John Myers] Co-operative Bank 0871 855 0845 5.79% 3 Years 7.24% 7% APR 95% No overhang Our opinion: TRACKER no arrangement or booking fees and 1, 000 cashback on completion. There are flexible features including the ability to take a payment holiday for up to six months and the product is portable if you decide to move to a new home before the initial period is up. [John Myers] bad credit georgia home loan

Our opinion: DISCOUNT although this deal requires a larger 10% deposit it does have a low rate and average 599 fee. [John Myers] 0871 855 0845 5.49% 3 Years 7.24% 6.9% APR 95% No overhang Our opinion: DISCOUNT another good deal for first time buyers from the Co-operative Bank. Low fee of 399 and a free basic valuation as well as flexible payments are all good features and there is a guarantor option if your parents wish to help you increase the amount you can borrow. [John Myers] application bad card credit

0871 855 1735 5.79% 3 Years 7.54% 7.2% APR 90% No overhang Our opinion: DISCOUNT basic valuation fee will be refunded on completion, up to a maximum of 400. No higher lending charge and interest is calculated daily which will reduce the amount outstanding. [John Myers] Our opinion: FIXED average arrangement fee of 499, and ability to overpay by up to 10% each year for fixed period without charge. However if you borrow more than 90% of the loan to value there will be a higher lending charge of 1.5% of the total amount borrowed. [John Myers] bad credit home loan va

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