Shire Direct News - January 2008...
Added: 5th January 2008
Welcome to the new Shire Direct Website
May I take this opportunity to wish you a Happy New Year and also offer you a warm welcome to the brand new incarnation of the Shire Direct website. After 18 months of blood, sweat, and tears (well, just a lot of sweat actually, but I'll spare you any further unsavoury visions!) our new website is finally live. It's been a labour of love by those that have worked on it, including myself, and will continue to be so, as we further improve and develop it on a continual basis in the months and years ahead!
> Read the 'Welcome Letter' from our Managing Director, Geoff Beard.
Added: 1st January 2008
Over £2,000 Argos Vouchers to be won in the Shire Direct Grand Prize Draw!
To celebrate the launch of the latest incarnation of the Shire Direct website, we're giving away over £2,000 worth of Argos vouchers to spend in any Argos store (editors note: apparently approximately 98% of the UK population now live within 10 miles of an Argos store!). Terms and conditions apply, please read the article for full details.
> Read about the full details of our Grand Prize Draw!
Added: 1st January 2008
Subscribe to our Newsletter, or send us Feedback and be in with the chance of winning £250!
Fancy the chance of winning £250.00 worth of Argos Gift Vouchers? Then simply Subscribe to our Newsletter, Shire Direct News, or send us Feedback regarding our website and/or our services and you will automatically be entered a special £250 Gift Voucher Prize Draw on 5th December 2008. Terms and conditions apply, so please read the full article for complete details.
> Read full details of our Newsletter request / Feedback Submission £250 Gift Voucher Prize Draw.
Added: 1st January 2008
Vouchers Special Offer: Claim £100 worth of Free Gift Vouchers...
Yes, you read it correctly! We're giving away £100 worth of Gift Vouchers - absolutely FREE, when you apply for and complete a mortgage or homeowner secured loan transaction with Shire Direct during 2008. Terms and conditions apply, so please read the full article for complete details.
> Read full details of our £100 Gift Voucher Giveaway.
Mortgages/Remortgages: The overall cost for comparison is 9.8% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. APR variable and based on a usual case. Most customers are likely to receive a lower rate or the same rate as our overall cost for comparison rate - learn more about APR.
There are no upfront broker fees.
However, a fee may be charged on successful completion. An indication is that on conforming cases (straightforward applications with no or minimal adverse credit) a fee may be charged of up to 1% of the amount advanced, typically £795 and will depend on your circumstances. For non-conforming cases (where case research and processing may be more complex due to adverse credit or unusual circumstances), a fee may be charged of up to 3% of the amount advanced, typically £1,995.
Homeowner Loans: Rates from 8.9% APR variable, but typically 13.9% APR variable. Most customers are likely to receive a lower rate or the same rate as our typical variable rate - learn more about APR. Shire Direct also has a range of non-conforming loan plans with rates up to 19.9% APR. These plans are designed to help those who may have a more difficult credit history, including CCJ's and credit arrears, IVA and bankruptcy problems.
A broker fee of between 0% and 10% of the loan advance may be charged for arranging a secured loan.
All loans subject to status and secured on property.
The actual rate available will depend upon your circumstances. Written quotations on request.
Equity Release Products:
Equity Release products may involve a Lifetime Mortgage or Home Reversion Plan. To understand the features and risks, ask for a personalised illustration.
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.
Adding existing debt to your mortgage will increase the repayment term and overall cost.
