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home owner loan

Don't just dream about those home improvements such as replacement windows, that state of the art kitchen, solar heating, fitted bedrooms, new bathroom, landscape garden or that luxury conservatory. Life is too short and precious to dream away.

At BFS, we can help you make your dreams come true. Whether it's home improvements, debt consolidation or simply a desire to have extra money to spend.

With a homeowner loan you can start living your dream today!

You can borrow any amount from £3000 to £150,000 with payment terms that best suit you.

Below is an illustration of some of the excellent rates we currently have to offer - we have access to the best terms on the market. You normally have repayment terms from 5 to 25 years depending on your budget and individual requirements.

£30,000 = £357.23 per month x 120 months
Total payable £42,867.60 7.8% APR

£20,000 = £244.09 per month x 120 months
Total payable £29,290.80 8.4% APR

£10,000 = £203.42 per month x 60 months
Total payable £12,205.20 8.4% APR

£5000 = £106.65 per month x 60 months
Total payable £6,399.00 12.4% APR

Our typical loan rate is 10.8% APR variable.
The actual rate available will depend upon your circumstance.
Ask for a personalised illustration.

reduced repayments
The table is based on example of only paying the minimum repayment amount each month and settling the balance once a minimum £5 monthly repayment is reached.
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Compare the table above with a loan for the same amount with BFS Direct....
Not only will your monthly repayments be reduced by a massive £226.27 (see illustration below) your debt will be paid off in at least the third of the time and could save you £13,632 in interest charged.
table2
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APR Message
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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.

BFS Direct and Brighter Financial Solutions are trading names of BFS Direct Ltd registered in England No. 5038979.
Registered office is 2 Breach Lane, Great Easton, Dunmow, Essex, CM6 3QT.
BFS Direct Ltd is authorised and regulated by the Financial Services Authority Registration No.305249.
© 2007 BFS Direct Ltd, Secured loan specialists