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| Please select a letter to find a description i.e. for "interest" select "I" from the table below. |
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| This is the basic assessment that is carried out on a property to find out how much it is worth and whether it is suitable to lend a mortgage on. It is carried out by a professional surveyor on behalf of a Lender. Different types of valuation are offered when buying property e.g. basic valuation, homebuyer report, full structural survey. |
| Fee payable to a Lender to arrange a property valuation. Not all Lenders charge valuation fees. |
Variable Rate |
| A variable rate is a rate of interest that can go up and down during the lifetime of a loan and is usually linked to an independent base rate. |
Vendor |
| The person selling something, for example, a house. |
Voters Roll |
| By law all UK citizens over the age of 18 must apply to have their name on the Register of Electors which allows them to vote. “Voters Roll” is another common term for the Electoral Register. |
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The overall cost for comparison is 10.8% APR variable. The actual rate will depend upon your circumstances. Ask for a personalised illustration. Our rates start from 7.9% APR variable. We also have a range of plans with rates up to 17.5% APR allowing us to help customers even with the most severe credit problems. If you are thinking of consolidating existing borrowing you should be aware that you will be extending the terms of the debt and increasing the total amount you repay. A fee of between 0% and 10% of the loan may be charged depending on credit history and ability to prove income. The amount of fee will depend on your circumstances, however, we estimate that it will be 5% of the loan amount.
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