Hoskin Home Loans
Mortgages
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Welcome to Hoskin Home Loans which is part of Hoskin Financial Planning who are Independent Financial Advisers, regulated by the Financial Conduct Authority providing financial planning services.

About us at Hoskin Home Loans and how we work.

Hoskin Homeloans sources it’s secured loans from a whole-of-market panel of lenders, which, combined, covers all types of products from prime clients through to clients with recent or historic credit problems.

problems-arrowOur Services

Secured Loans

Hoskin home loans has access to a panel of lenders who can provide funds by way of second charge secured loans from £10,000 to greater than £2.5 million with LTV’s as high as 95%. We pride ourselves on our experience and transparency.

FAST AND EFFICIENT SERVICE

We know how important it is to receive responsive customer service. That’s why we respond to enquiries promptly and provide a Same Day Decision.

This website is intended for authorised intermediary use only. Those without professional mortgage experience should not rely solely on it’s content.

Secured loans can be used in a variety of scenarios, for example:

  • Avoid paying an Early Repayment Charge (ERC) on an existing mortgage
  • Client has a very low SVR or BBR tracker mortgage that they do not want to move away from
  • Raise finance for any legal purpose, including debt consolidation, home improvement and business funding
  • Raise money quickly – loans are typically completed in 2–3 weeks.

Some unique selling points of a secured loan:

  • Loans from £10,000–£250,000 (more by referral)
  • Up to 95% LTV on residential properties
  • Up to 70% LTV on commercial and buy-to-let properties
  • Up to 75% LTV for clients with credit problems (the more severe the problems the lower the LTV)
  • Loan terms of 5–30 years
  • Interest-only and repayment options available

No upfront costs to set up a secured loan – Hoskin Homeloans will cover all costs, including valuation.

For more information please contact us at Hoskin Home Loans.

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.

For more help and advice please do not hesitate to contact us at Hoskin Home Loans or Telephone us on Maldon (01621) 876303 or email us via the contact form below.

ESSEX TOWNS and VILLAGES COVERED from our Maldon office at Hoskin Home Loans.

Abridge, Althorne, Ardleigh, Arkesden, Aveley.

Barking, Barkingside, Barnston, Basildon, Battlesbridge, Belchamp St Paul, Benfleet, Billericay, Bishops Stortford, Blackmore End, Boreham, Bradwell On Sea, Braintree, Brantham, Brentwood, Brightlingsea, Broxted, Buckhurst Hill, Bulphan, Burnham On Crouch.

Canewdon, Canvey Island, Castle Heddingham, Castle Hedingham, Cattawade, Chadwell Heath, Chafford Hundred, Chappel, Chatham Green, Chelmsford, Chigwell, Chingford, Clacton On Sea, Clavering, Coggeshall, Colchester, Crays Hill.

Dagenham, Danbury, Debden, Dedham, Doddinghurst, Dovercourt, Dunmow.

Earls Colne, Elm Park, Elmdon, Elmstead, Elsenham, Epping.

Fairstead, Feering, Felsted, Finchingfield, Fingringhoe, Flatford, Fordham, Frinton On Sea, Fyfield
Gestingthorpe, Gosfield, Grays, Great Baddow, Great Bardfield, Great Braxted, Great Chesterford, Great Dunmow, Great Easton, Great Saling, Great Totham, Great Wakering, Great Waltham, Great Warley, Great Yeldham.

Hadleigh, Hadstock, Halstead, Harlow, Harwich, Hatfield Peverel, Herongate, Heybridge, Heybridge Basin, High Roding, Hockley, Holland On Sea, Hornchurch, Horndon On The Hill, Horsley Cross
Ickleton, Ilford, Ingatestone, Ingrave.

Kelvedon, Kelvedon Hatch.

Laindon, Langham, Latchingdon, Leigh On Sea, Little Bentley, Little Braxted, Little Canfield, Little Clacton, Little Dunmow, Little Easton, Little Hallingbury, Little Maplestead, Little Waltham, Little Warley, Loughton.

Maldon, Manningtree, Margaretting, Matching Green, Mersea Island, Mistley, Moreton, Mount Bures, Mountnessing, Mundon.

Navestockside, Nazeing, North Fambridge, Northey Island.

Old Harlow, Ongar, Orsett, Ovington.

Paglesham, Panfield, Pattiswick, Pebmarsh, Peldon, Pitsea, Purfleet, Purleigh.

Quendon.

Radwinter, Rainham, Rayleigh, Rayne, Redbridge, Rettendon, Rickling Green, Rochford, Romford, Rowhedge, Roxwell, Roydon.

Saffron Walden, Shalford, Shenfield, South Benfleet, South Hanningfield, South Ockendon, South Woodford, South Woodham Ferrers, Southend On Sea, Southminster, St Osyth, Stanford Le Hope, Stansted, Stansted Airport, Stansted Mountfitchet, Stanway, Stapleford Abbotts, Stevenage, Stock.

Takeley, Thaxted, Theydon Bois, Thornwood, Thorpe Le Soken, Thurrock, Tilbury, Tillingham, Tiptree, Tollesbury, Tolleshunt Knights, Toot Hill.

Upminster.

Vange.

Waltham Abbey, Walton On The Naze, Wanstead, Warley, Weeley, Wendens Ambo, West Mersea, West Thurrock, Westcliff On Sea, Wethersfield, White Notley, Wickford, Wickham Bishops, Witham, Wivenhoe, Woodford, Woodford Bridge, Woodford Green, Woodham Mortimer, Woodham Walter, Writtle.

Youngs End.

Bridging Finance or Short Term Finance

At Hoskin we have a panel of bridging lenders that can assist in short term lending, especially where the high street banks cannot assist.

• Open and closed bridges when there is a gap that needs bridged for property acquisition.
• Auction purchases – particularly when properties are bought under market value.
• Cash flow
• Tax bills

This type of finance is not usually FCA regulated; therefore our funders can afford to adopt a more flexible approach when it comes to assessing deals. Our private funders will typically be investors looking for a quick return on their capital.

The quickest way to have your short term finance enquiry assessed is to telephone one of our advisers today on 01621 – 876030.

This website is intended for authorised intermediary use only. Those without professional mortgage experience should not rely solely on it’s content.

For more information please contact us at Hoskin Home Loans.

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.

For more help and advice please do not hesitate to contact us at Hoskin Home Loans or Telephone us on Maldon (01621) 876303 or email us via the contact form below.

ESSEX TOWNS and VILLAGES COVERED from our Maldon office at Hoskin Home Loans.

Abridge, Althorne, Ardleigh, Arkesden, Aveley.

Barking, Barkingside, Barnston, Basildon, Battlesbridge, Belchamp St Paul, Benfleet, Billericay, Bishops Stortford, Blackmore End, Boreham, Bradwell On Sea, Braintree, Brantham, Brentwood, Brightlingsea, Broxted, Buckhurst Hill, Bulphan, Burnham On Crouch.

Canewdon, Canvey Island, Castle Heddingham, Castle Hedingham, Cattawade, Chadwell Heath, Chafford Hundred, Chappel, Chatham Green, Chelmsford, Chigwell, Chingford, Clacton On Sea, Clavering, Coggeshall, Colchester, Crays Hill.

Dagenham, Danbury, Debden, Dedham, Doddinghurst, Dovercourt, Dunmow.

Earls Colne, Elm Park, Elmdon, Elmstead, Elsenham, Epping.

Fairstead, Feering, Felsted, Finchingfield, Fingringhoe, Flatford, Fordham, Frinton On Sea, Fyfield
Gestingthorpe, Gosfield, Grays, Great Baddow, Great Bardfield, Great Braxted, Great Chesterford, Great Dunmow, Great Easton, Great Saling, Great Totham, Great Wakering, Great Waltham, Great Warley, Great Yeldham.

Hadleigh, Hadstock, Halstead, Harlow, Harwich, Hatfield Peverel, Herongate, Heybridge, Heybridge Basin, High Roding, Hockley, Holland On Sea, Hornchurch, Horndon On The Hill, Horsley Cross
Ickleton, Ilford, Ingatestone, Ingrave.

Kelvedon, Kelvedon Hatch.

Laindon, Langham, Latchingdon, Leigh On Sea, Little Bentley, Little Braxted, Little Canfield, Little Clacton, Little Dunmow, Little Easton, Little Hallingbury, Little Maplestead, Little Waltham, Little Warley, Loughton.

Maldon, Manningtree, Margaretting, Matching Green, Mersea Island, Mistley, Moreton, Mount Bures, Mountnessing, Mundon.

Navestockside, Nazeing, North Fambridge, Northey Island.

Old Harlow, Ongar, Orsett, Ovington.

Paglesham, Panfield, Pattiswick, Pebmarsh, Peldon, Pitsea, Purfleet, Purleigh.

Quendon.

Radwinter, Rainham, Rayleigh, Rayne, Redbridge, Rettendon, Rickling Green, Rochford, Romford, Rowhedge, Roxwell, Roydon.

Saffron Walden, Shalford, Shenfield, South Benfleet, South Hanningfield, South Ockendon, South Woodford, South Woodham Ferrers, Southend On Sea, Southminster, St Osyth, Stanford Le Hope, Stansted, Stansted Airport, Stansted Mountfitchet, Stanway, Stapleford Abbotts, Stevenage, Stock.

Takeley, Thaxted, Theydon Bois, Thornwood, Thorpe Le Soken, Thurrock, Tilbury, Tillingham, Tiptree, Tollesbury, Tolleshunt Knights, Toot Hill.

Upminster.

Vange.

Waltham Abbey, Walton On The Naze, Wanstead, Warley, Weeley, Wendens Ambo, West Mersea, West Thurrock, Westcliff On Sea, Wethersfield, White Notley, Wickford, Wickham Bishops, Witham, Wivenhoe, Woodford, Woodford Bridge, Woodford Green, Woodham Mortimer, Woodham Walter, Writtle.

Youngs End.

Commercial Finance

Commercial lending has been restricted since the global financial crisis with the High Street Banks now being at times inflexible with their lending criteria. This has resulted in many SMEs not being able to refinance existing properties or purchase new ones, effectively stifling the growth or survival of some of these businesses.

As an independent broker we can look to place finance with a number of commercial loan providers, both on and off the High Street. You can therefore use our skills and expertise to assess your needs and identify lending solutions very quickly for you. Commercial mortgages can be secured on a wide range of property types including:

• Hotels and public houses
• Bed and breakfasts or guest houses
• Offices
• Retail units – shops
• Factories and warehouses
• Nursing and care homes
• HMO – houses of multiple occupation
• Investment properties and portfolios Maximum loan to value (LTV) is usually 75% and broker fees will be charged.
• Complex Buy to Lets

Any fees will be discussed and agreed at the outset of the application for more information please contact us at Hoskin Home Loans on 01621 – 876030

This website is intended for authorised intermediary use only. Those without professional mortgage experience should not rely solely on it’s content.

For more information please contact us at Hoskin Home Loans.

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.

For more help and advice please do not hesitate to contact us at Hoskin Home Loans or Telephone us on Maldon (01621) 876303 or email us via the contact form below.

ESSEX TOWNS and VILLAGES COVERED from our Maldon office at Hoskin Home Loans.

Abridge, Althorne, Ardleigh, Arkesden, Aveley.

Barking, Barkingside, Barnston, Basildon, Battlesbridge, Belchamp St Paul, Benfleet, Billericay, Bishops Stortford, Blackmore End, Boreham, Bradwell On Sea, Braintree, Brantham, Brentwood, Brightlingsea, Broxted, Buckhurst Hill, Bulphan, Burnham On Crouch.

Canewdon, Canvey Island, Castle Heddingham, Castle Hedingham, Cattawade, Chadwell Heath, Chafford Hundred, Chappel, Chatham Green, Chelmsford, Chigwell, Chingford, Clacton On Sea, Clavering, Coggeshall, Colchester, Crays Hill.

Dagenham, Danbury, Debden, Dedham, Doddinghurst, Dovercourt, Dunmow.

Earls Colne, Elm Park, Elmdon, Elmstead, Elsenham, Epping.

Fairstead, Feering, Felsted, Finchingfield, Fingringhoe, Flatford, Fordham, Frinton On Sea, Fyfield
Gestingthorpe, Gosfield, Grays, Great Baddow, Great Bardfield, Great Braxted, Great Chesterford, Great Dunmow, Great Easton, Great Saling, Great Totham, Great Wakering, Great Waltham, Great Warley, Great Yeldham.

Hadleigh, Hadstock, Halstead, Harlow, Harwich, Hatfield Peverel, Herongate, Heybridge, Heybridge Basin, High Roding, Hockley, Holland On Sea, Hornchurch, Horndon On The Hill, Horsley Cross
Ickleton, Ilford, Ingatestone, Ingrave.

Kelvedon, Kelvedon Hatch.

Laindon, Langham, Latchingdon, Leigh On Sea, Little Bentley, Little Braxted, Little Canfield, Little Clacton, Little Dunmow, Little Easton, Little Hallingbury, Little Maplestead, Little Waltham, Little Warley, Loughton.

Maldon, Manningtree, Margaretting, Matching Green, Mersea Island, Mistley, Moreton, Mount Bures, Mountnessing, Mundon.

Navestockside, Nazeing, North Fambridge, Northey Island.

Old Harlow, Ongar, Orsett, Ovington.

Paglesham, Panfield, Pattiswick, Pebmarsh, Peldon, Pitsea, Purfleet, Purleigh.

Quendon.

Radwinter, Rainham, Rayleigh, Rayne, Redbridge, Rettendon, Rickling Green, Rochford, Romford, Rowhedge, Roxwell, Roydon.

Saffron Walden, Shalford, Shenfield, South Benfleet, South Hanningfield, South Ockendon, South Woodford, South Woodham Ferrers, Southend On Sea, Southminster, St Osyth, Stanford Le Hope, Stansted, Stansted Airport, Stansted Mountfitchet, Stanway, Stapleford Abbotts, Stevenage, Stock.

Takeley, Thaxted, Theydon Bois, Thornwood, Thorpe Le Soken, Thurrock, Tilbury, Tillingham, Tiptree, Tollesbury, Tolleshunt Knights, Toot Hill.

Upminster.

Vange.

Waltham Abbey, Walton On The Naze, Wanstead, Warley, Weeley, Wendens Ambo, West Mersea, West Thurrock, Westcliff On Sea, Wethersfield, White Notley, Wickford, Wickham Bishops, Witham, Wivenhoe, Woodford, Woodford Bridge, Woodford Green, Woodham Mortimer, Woodham Walter, Writtle.

Youngs End.

Development Finance

Whether you’re an experienced property developer or taking on a project for the first-time, we can look to assist you.

We have developed a network of leading providers, and understand which to approach to find the most favorable terms to meet your specific requirements. We arrange the finance for a wide range of projects, from commercial property builds and residential builds, to large scale developments.

In most cases a higher level of loan-to-value can be obtained by our experienced brokers working in tandem with specialist lenders than by approaching High Street banks independently.

We arrange finance for:

• Pre-let or pre-sold commercial developments;
• New build residential developments or conversions and extensions;
• Property trading – acquisition, refurbishments and onward sale;
• Investment portfolios

For more help and advice please contact us today at Hoskin Home Loans on

01621 – 876030

This website is intended for authorised intermediary use only. Those without professional mortgage experience should not rely solely on it’s content.

For more information please contact us at Hoskin Home Loans.

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.

For more help and advice please do not hesitate to contact us at Hoskin Home Loans or Telephone us on Maldon (01621) 876303 or email us via the contact form below.

ESSEX TOWNS and VILLAGES COVERED from our Maldon office at Hoskin Home Loans.

Abridge, Althorne, Ardleigh, Arkesden, Aveley.

Barking, Barkingside, Barnston, Basildon, Battlesbridge, Belchamp St Paul, Benfleet, Billericay, Bishops Stortford, Blackmore End, Boreham, Bradwell On Sea, Braintree, Brantham, Brentwood, Brightlingsea, Broxted, Buckhurst Hill, Bulphan, Burnham On Crouch.

Canewdon, Canvey Island, Castle Heddingham, Castle Hedingham, Cattawade, Chadwell Heath, Chafford Hundred, Chappel, Chatham Green, Chelmsford, Chigwell, Chingford, Clacton On Sea, Clavering, Coggeshall, Colchester, Crays Hill.

Dagenham, Danbury, Debden, Dedham, Doddinghurst, Dovercourt, Dunmow.

Earls Colne, Elm Park, Elmdon, Elmstead, Elsenham, Epping.

Fairstead, Feering, Felsted, Finchingfield, Fingringhoe, Flatford, Fordham, Frinton On Sea, Fyfield
Gestingthorpe, Gosfield, Grays, Great Baddow, Great Bardfield, Great Braxted, Great Chesterford, Great Dunmow, Great Easton, Great Saling, Great Totham, Great Wakering, Great Waltham, Great Warley, Great Yeldham.

Hadleigh, Hadstock, Halstead, Harlow, Harwich, Hatfield Peverel, Herongate, Heybridge, Heybridge Basin, High Roding, Hockley, Holland On Sea, Hornchurch, Horndon On The Hill, Horsley Cross
Ickleton, Ilford, Ingatestone, Ingrave.

Kelvedon, Kelvedon Hatch.

Laindon, Langham, Latchingdon, Leigh On Sea, Little Bentley, Little Braxted, Little Canfield, Little Clacton, Little Dunmow, Little Easton, Little Hallingbury, Little Maplestead, Little Waltham, Little Warley, Loughton.

Maldon, Manningtree, Margaretting, Matching Green, Mersea Island, Mistley, Moreton, Mount Bures, Mountnessing, Mundon.

Navestockside, Nazeing, North Fambridge, Northey Island.

Old Harlow, Ongar, Orsett, Ovington.

Paglesham, Panfield, Pattiswick, Pebmarsh, Peldon, Pitsea, Purfleet, Purleigh.

Quendon.

Radwinter, Rainham, Rayleigh, Rayne, Redbridge, Rettendon, Rickling Green, Rochford, Romford, Rowhedge, Roxwell, Roydon.

Saffron Walden, Shalford, Shenfield, South Benfleet, South Hanningfield, South Ockendon, South Woodford, South Woodham Ferrers, Southend On Sea, Southminster, St Osyth, Stanford Le Hope, Stansted, Stansted Airport, Stansted Mountfitchet, Stanway, Stapleford Abbotts, Stevenage, Stock.

Takeley, Thaxted, Theydon Bois, Thornwood, Thorpe Le Soken, Thurrock, Tilbury, Tillingham, Tiptree, Tollesbury, Tolleshunt Knights, Toot Hill.

Upminster.

Vange.

Waltham Abbey, Walton On The Naze, Wanstead, Warley, Weeley, Wendens Ambo, West Mersea, West Thurrock, Westcliff On Sea, Wethersfield, White Notley, Wickford, Wickham Bishops, Witham, Wivenhoe, Woodford, Woodford Bridge, Woodford Green, Woodham Mortimer, Woodham Walter, Writtle.

Youngs End.

FCA and Secured Lending

We have seen eventful times of late for brokers and lenders, with the Mortgage Market Review (MMR) shaking up the mortgage market and the Financial Conduct Authority (FCA)’s oversight of the consumer credit industry causing a stir.

Traditionally, there has been reluctance from many brokers to look at secured lending as a viable alternative to re-mortgage products. Intermediaries have cited a number of reasons, including nervousness around the compliance implications of secured lending products, right up to a lack of understanding of secured lending altogether. However, now that all forms of secured lending come under the same FCA umbrella, brokers are not only able to, but obliged to consider all options to devise the best credit solution for their customers.

When the MMR is taken into consideration, the affordability requirements and restrictions now in place on new mortgages make it all the more important for brokers to consider all of the options and find a loan that is most closely targeted at the customer’s individual circumstances.

It’s a trend towards secured lending that is already showing strong results. Recently quoted figures from the Secured Loan Index showed that the second charge sector is already up 33% on the first 6 months of last year. Clearly more and more brokers are considering secured lending and by bringing regulation of the secured loan sector under the auspices of the FCA, it is clear that the regulator is successfully creating ‘one mortgage market.’

Quite rightly, the focus of the FCA is to safeguard the consumer and within reason ensure that the most appropriate customer outcome is achieved. By giving the secured lending sector its own oversight, it is sending a very clear message to brokers that, in many cases, the appropriate outcome for a customer may well be a secured loan.

For more help and advice please do not hesitate to contact us at Hoskin Home Loans via email or telephone 01621 – 876030

This website is intended for authorised intermediary use only. Those without professional mortgage experience should not rely solely on it’s content.

For more information please contact us at Hoskin Home Loans.

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.

For more help and advice please do not hesitate to contact us at Hoskin Home Loans or Telephone us on Maldon (01621) 876303 or email us via the contact form below.

ESSEX TOWNS and VILLAGES COVERED from our Maldon office at Hoskin Home Loans.

Abridge, Althorne, Ardleigh, Arkesden, Aveley.

Barking, Barkingside, Barnston, Basildon, Battlesbridge, Belchamp St Paul, Benfleet, Billericay, Bishops Stortford, Blackmore End, Boreham, Bradwell On Sea, Braintree, Brantham, Brentwood, Brightlingsea, Broxted, Buckhurst Hill, Bulphan, Burnham On Crouch.

Canewdon, Canvey Island, Castle Heddingham, Castle Hedingham, Cattawade, Chadwell Heath, Chafford Hundred, Chappel, Chatham Green, Chelmsford, Chigwell, Chingford, Clacton On Sea, Clavering, Coggeshall, Colchester, Crays Hill.

Dagenham, Danbury, Debden, Dedham, Doddinghurst, Dovercourt, Dunmow.

Earls Colne, Elm Park, Elmdon, Elmstead, Elsenham, Epping.

Fairstead, Feering, Felsted, Finchingfield, Fingringhoe, Flatford, Fordham, Frinton On Sea, Fyfield
Gestingthorpe, Gosfield, Grays, Great Baddow, Great Bardfield, Great Braxted, Great Chesterford, Great Dunmow, Great Easton, Great Saling, Great Totham, Great Wakering, Great Waltham, Great Warley, Great Yeldham.

Hadleigh, Hadstock, Halstead, Harlow, Harwich, Hatfield Peverel, Herongate, Heybridge, Heybridge Basin, High Roding, Hockley, Holland On Sea, Hornchurch, Horndon On The Hill, Horsley Cross
Ickleton, Ilford, Ingatestone, Ingrave.

Kelvedon, Kelvedon Hatch.

Laindon, Langham, Latchingdon, Leigh On Sea, Little Bentley, Little Braxted, Little Canfield, Little Clacton, Little Dunmow, Little Easton, Little Hallingbury, Little Maplestead, Little Waltham, Little Warley, Loughton.

Maldon, Manningtree, Margaretting, Matching Green, Mersea Island, Mistley, Moreton, Mount Bures, Mountnessing, Mundon.

Navestockside, Nazeing, North Fambridge, Northey Island.

Old Harlow, Ongar, Orsett, Ovington.

Paglesham, Panfield, Pattiswick, Pebmarsh, Peldon, Pitsea, Purfleet, Purleigh.

Quendon.

Radwinter, Rainham, Rayleigh, Rayne, Redbridge, Rettendon, Rickling Green, Rochford, Romford, Rowhedge, Roxwell, Roydon.

Saffron Walden, Shalford, Shenfield, South Benfleet, South Hanningfield, South Ockendon, South Woodford, South Woodham Ferrers, Southend On Sea, Southminster, St Osyth, Stanford Le Hope, Stansted, Stansted Airport, Stansted Mountfitchet, Stanway, Stapleford Abbotts, Stevenage, Stock.

Takeley, Thaxted, Theydon Bois, Thornwood, Thorpe Le Soken, Thurrock, Tilbury, Tillingham, Tiptree, Tollesbury, Tolleshunt Knights, Toot Hill.

Upminster.

Vange.

Waltham Abbey, Walton On The Naze, Wanstead, Warley, Weeley, Wendens Ambo, West Mersea, West Thurrock, Westcliff On Sea, Wethersfield, White Notley, Wickford, Wickham Bishops, Witham, Wivenhoe, Woodford, Woodford Bridge, Woodford Green, Woodham Mortimer, Woodham Walter, Writtle.

Youngs End.

Home Improvement Loan

Home Improvement Loan

You know your home is one of the most important investments you will ever make. You also know that without constantly maintaining and improving your home, it is an investment that will never grow in value. However, what do you do if you do not have the money to make the improvements you are hoping to make? We suggest applying for one of the many home improvement loans currently available in the UK. A secured home loan is one of the best financial tools available to homeowners. These loans allow the individual to leverage the value already in his or her home to borrow large amounts of money with friendly repayment terms. Moreover, as a secured loan, this financing is cheap and fairly easy to get, provided you have equity in your home. Here is a brief, step-by-step guide to obtaining a cheap home improvement loan.

The first step in obtaining a cheap secured loan is understanding how much you are eligible to borrow. You can figure that out by calculating the equity in your home. Equity is the difference between how much your house is worth on the retail market and how much you currently owe on your mortgage. Just subtract your mortgage balance from the retail value of your home; the resulting number will be your equity. For example, a home worth £100,000 with an outstanding mortgage balance of £70,000 has equity of £30,000.

If you do not yet have a family budget, you need to create one in order to determine how much you can afford for monthly loan payments. Those who already have a budget need to adjust it to make sure unnecessary spending is curtailed. Without a proper and reasonable budget in place, it is too easy to become overextended with a secured home loan. That’s not a good idea when you consider the fact that defaulting on a home loan could result in the repossession and sale of your property.

For more help and advice please do not hesitate to contact us at Hoskin Home Loans or Telephone us on Maldon (01621) 876303 or email us via the contact form below.

ESSEX TOWNS and VILLAGES COVERED from our Maldon office at Hoskin Home Loans.

Abridge, Althorne, Ardleigh, Arkesden, Aveley.

Barking, Barkingside, Barnston, Basildon, Battlesbridge, Belchamp St Paul, Benfleet, Billericay, Bishops Stortford, Blackmore End, Boreham, Bradwell On Sea, Braintree, Brantham, Brentwood, Brightlingsea, Broxted, Buckhurst Hill, Bulphan, Burnham On Crouch.

Canewdon, Canvey Island, Castle Heddingham, Castle Hedingham, Cattawade, Chadwell Heath, Chafford Hundred, Chappel, Chatham Green, Chelmsford, Chigwell, Chingford, Clacton On Sea, Clavering, Coggeshall, Colchester, Crays Hill.

Dagenham, Danbury, Debden, Dedham, Doddinghurst, Dovercourt, Dunmow.

Earls Colne, Elm Park, Elmdon, Elmstead, Elsenham, Epping.

Fairstead, Feering, Felsted, Finchingfield, Fingringhoe, Flatford, Fordham, Frinton On Sea, Fyfield
Gestingthorpe, Gosfield, Grays, Great Baddow, Great Bardfield, Great Braxted, Great Chesterford, Great Dunmow, Great Easton, Great Saling, Great Totham, Great Wakering, Great Waltham, Great Warley, Great Yeldham.

Hadleigh, Hadstock, Halstead, Harlow, Harwich, Hatfield Peverel, Herongate, Heybridge, Heybridge Basin, High Roding, Hockley, Holland On Sea, Hornchurch, Horndon On The Hill, Horsley Cross
Ickleton, Ilford, Ingatestone, Ingrave.

Kelvedon, Kelvedon Hatch.

Laindon, Langham, Latchingdon, Leigh On Sea, Little Bentley, Little Braxted, Little Canfield, Little Clacton, Little Dunmow, Little Easton, Little Hallingbury, Little Maplestead, Little Waltham, Little Warley, Loughton.

Maldon, Manningtree, Margaretting, Matching Green, Mersea Island, Mistley, Moreton, Mount Bures, Mountnessing, Mundon.

Navestockside, Nazeing, North Fambridge, Northey Island.

Old Harlow, Ongar, Orsett, Ovington.

Paglesham, Panfield, Pattiswick, Pebmarsh, Peldon, Pitsea, Purfleet, Purleigh.

Quendon.

Radwinter, Rainham, Rayleigh, Rayne, Redbridge, Rettendon, Rickling Green, Rochford, Romford, Rowhedge, Roxwell, Roydon.

Saffron Walden, Shalford, Shenfield, South Benfleet, South Hanningfield, South Ockendon, South Woodford, South Woodham Ferrers, Southend On Sea, Southminster, St Osyth, Stanford Le Hope, Stansted, Stansted Airport, Stansted Mountfitchet, Stanway, Stapleford Abbotts, Stevenage, Stock.

Takeley, Thaxted, Theydon Bois, Thornwood, Thorpe Le Soken, Thurrock, Tilbury, Tillingham, Tiptree, Tollesbury, Tolleshunt Knights, Toot Hill.

Upminster.

Vange.

Waltham Abbey, Walton On The Naze, Wanstead, Warley, Weeley, Wendens Ambo, West Mersea, West Thurrock, Westcliff On Sea, Wethersfield, White Notley, Wickford, Wickham Bishops, Witham, Wivenhoe, Woodford, Woodford Bridge, Woodford Green, Woodham Mortimer, Woodham Walter, Writtle.

Youngs End.

Homeowner Loan

Homeowner loan

Are you a homeowner who has been turned down for a personal loan? Have you thought about securing the loan against your property? Read on to discover the questions you should ask before choosing to take out a homeowner loan.

What is a homeowner loan?

A homeowner loan is only available to those who currently have a mortgage. This type of borrowing is sometimes referred to as a secured loan because the debt is secured against an asset, which can then be repossessed should repayments not be made. This reduces the risk to the lender, which may result in preferential interest rates, but presents a risk to the borrower who could lose their home if payments are defaulted.

How much can I borrow?

The amount of the loan granted can vary from lender to lender, but homeowner loans are usually up to the value of £200,000. Lenders feel more confident in granting loans to borrowers who are prepared to secure the credit against an asset.

How quickly must I repay my homeowner loan?

Due to the characteristically large amount of credit associated with a homeowner loan, its repayment can be spread across a term of up to 30 years. This lengthy term can mean that borrowers can benefit from low monthly interest rates, although be mindful that more interest will be paid overall.

Can a homeowner loan be repaid early?

Yes, there is the opportunity to repay a homeowner loan early, but doing so may incur an early settlement charge, which is added to the remaining balance at the time that a settlement figure is requested.

Our property is jointly owned, does this mean that the homeowner loan must also be in both names?

A homeowner loan is secured to the property rather than to the individual, which means that if the property is jointly owned, the credit rating of both owners must be taken into account. In addition to credit score, affordability will also be assessed to measure the monthly outgoings against the joint income.

Let us take the hard work out of searching for a loan

For more help and advice please do not hesitate to contact us at Hoskin Home Loans or Telephone us on Maldon (01621) 876303 or email us via the contact form below.

ESSEX TOWNS and VILLAGES COVERED from our Maldon office at Hoskin Home Loans.

Abridge, Althorne, Ardleigh, Arkesden, Aveley.

Barking, Barkingside, Barnston, Basildon, Battlesbridge, Belchamp St Paul, Benfleet, Billericay, Bishops Stortford, Blackmore End, Boreham, Bradwell On Sea, Braintree, Brantham, Brentwood, Brightlingsea, Broxted, Buckhurst Hill, Bulphan, Burnham On Crouch.

Canewdon, Canvey Island, Castle Heddingham, Castle Hedingham, Cattawade, Chadwell Heath, Chafford Hundred, Chappel, Chatham Green, Chelmsford, Chigwell, Chingford, Clacton On Sea, Clavering, Coggeshall, Colchester, Crays Hill.

Dagenham, Danbury, Debden, Dedham, Doddinghurst, Dovercourt, Dunmow.

Earls Colne, Elm Park, Elmdon, Elmstead, Elsenham, Epping.

Fairstead, Feering, Felsted, Finchingfield, Fingringhoe, Flatford, Fordham, Frinton On Sea, Fyfield
Gestingthorpe, Gosfield, Grays, Great Baddow, Great Bardfield, Great Braxted, Great Chesterford, Great Dunmow, Great Easton, Great Saling, Great Totham, Great Wakering, Great Waltham, Great Warley, Great Yeldham.

Hadleigh, Hadstock, Halstead, Harlow, Harwich, Hatfield Peverel, Herongate, Heybridge, Heybridge Basin, High Roding, Hockley, Holland On Sea, Hornchurch, Horndon On The Hill, Horsley Cross
Ickleton, Ilford, Ingatestone, Ingrave.

Kelvedon, Kelvedon Hatch.

Laindon, Langham, Latchingdon, Leigh On Sea, Little Bentley, Little Braxted, Little Canfield, Little Clacton, Little Dunmow, Little Easton, Little Hallingbury, Little Maplestead, Little Waltham, Little Warley, Loughton.

Maldon, Manningtree, Margaretting, Matching Green, Mersea Island, Mistley, Moreton, Mount Bures, Mountnessing, Mundon.

Navestockside, Nazeing, North Fambridge, Northey Island.

Old Harlow, Ongar, Orsett, Ovington.

Paglesham, Panfield, Pattiswick, Pebmarsh, Peldon, Pitsea, Purfleet, Purleigh.

Quendon.

Radwinter, Rainham, Rayleigh, Rayne, Redbridge, Rettendon, Rickling Green, Rochford, Romford, Rowhedge, Roxwell, Roydon.

Saffron Walden, Shalford, Shenfield, South Benfleet, South Hanningfield, South Ockendon, South Woodford, South Woodham Ferrers, Southend On Sea, Southminster, St Osyth, Stanford Le Hope, Stansted, Stansted Airport, Stansted Mountfitchet, Stanway, Stapleford Abbotts, Stevenage, Stock.

Takeley, Thaxted, Theydon Bois, Thornwood, Thorpe Le Soken, Thurrock, Tilbury, Tillingham, Tiptree, Tollesbury, Tolleshunt Knights, Toot Hill.

Upminster.

Vange.

Waltham Abbey, Walton On The Naze, Wanstead, Warley, Weeley, Wendens Ambo, West Mersea, West Thurrock, Westcliff On Sea, Wethersfield, White Notley, Wickford, Wickham Bishops, Witham, Wivenhoe, Woodford, Woodford Bridge, Woodford Green, Woodham Mortimer, Woodham Walter, Writtle.

Youngs End.

Debt Consolidation Loan

Tailored debt consolidation, for more control.

A credit card here, a holiday loan there, an outfit on a store card, a new TV with monthly payments, it’s all too easy to build up expensive debts. If they have different payment dates one could get missed, but debt consolidation lets you pay them all off with one low rate loan that only requires a single payment every month.

Stop missed payments, rebuild your credit rating.

Debt consolidation makes it easy to take control of spiralling credit payments, so you can reduce your monthly bills and rebuild your credit rating by proving to lenders that you can manage your finances. Our expert customer managers will show you how to work out any early repayment charges, talk you through your options and guide you through every step of the application process so you’ll soon be back on track

For more help and advice please do not hesitate to contact us at Hoskin Home Loans or Telephone us on Maldon (01621) 876303 or email us via the contact form below.

ESSEX TOWNS and VILLAGES COVERED from our Maldon office at Hoskin Home Loans.

Abridge, Althorne, Ardleigh, Arkesden, Aveley.

Barking, Barkingside, Barnston, Basildon, Battlesbridge, Belchamp St Paul, Benfleet, Billericay, Bishops Stortford, Blackmore End, Boreham, Bradwell On Sea, Braintree, Brantham, Brentwood, Brightlingsea, Broxted, Buckhurst Hill, Bulphan, Burnham On Crouch.

Canewdon, Canvey Island, Castle Heddingham, Castle Hedingham, Cattawade, Chadwell Heath, Chafford Hundred, Chappel, Chatham Green, Chelmsford, Chigwell, Chingford, Clacton On Sea, Clavering, Coggeshall, Colchester, Crays Hill.

Dagenham, Danbury, Debden, Dedham, Doddinghurst, Dovercourt, Dunmow.

Earls Colne, Elm Park, Elmdon, Elmstead, Elsenham, Epping.

Fairstead, Feering, Felsted, Finchingfield, Fingringhoe, Flatford, Fordham, Frinton On Sea, Fyfield
Gestingthorpe, Gosfield, Grays, Great Baddow, Great Bardfield, Great Braxted, Great Chesterford, Great Dunmow, Great Easton, Great Saling, Great Totham, Great Wakering, Great Waltham, Great Warley, Great Yeldham.

Hadleigh, Hadstock, Halstead, Harlow, Harwich, Hatfield Peverel, Herongate, Heybridge, Heybridge Basin, High Roding, Hockley, Holland On Sea, Hornchurch, Horndon On The Hill, Horsley Cross
Ickleton, Ilford, Ingatestone, Ingrave.

Kelvedon, Kelvedon Hatch.

Laindon, Langham, Latchingdon, Leigh On Sea, Little Bentley, Little Braxted, Little Canfield, Little Clacton, Little Dunmow, Little Easton, Little Hallingbury, Little Maplestead, Little Waltham, Little Warley, Loughton.

Maldon, Manningtree, Margaretting, Matching Green, Mersea Island, Mistley, Moreton, Mount Bures, Mountnessing, Mundon.

Navestockside, Nazeing, North Fambridge, Northey Island.

Old Harlow, Ongar, Orsett, Ovington.

Paglesham, Panfield, Pattiswick, Pebmarsh, Peldon, Pitsea, Purfleet, Purleigh.

Quendon.

Radwinter, Rainham, Rayleigh, Rayne, Redbridge, Rettendon, Rickling Green, Rochford, Romford, Rowhedge, Roxwell, Roydon.

Saffron Walden, Shalford, Shenfield, South Benfleet, South Hanningfield, South Ockendon, South Woodford, South Woodham Ferrers, Southend On Sea, Southminster, St Osyth, Stanford Le Hope, Stansted, Stansted Airport, Stansted Mountfitchet, Stanway, Stapleford Abbotts, Stevenage, Stock.

Takeley, Thaxted, Theydon Bois, Thornwood, Thorpe Le Soken, Thurrock, Tilbury, Tillingham, Tiptree, Tollesbury, Tolleshunt Knights, Toot Hill.

Upminster.

Vange.

Waltham Abbey, Walton On The Naze, Wanstead, Warley, Weeley, Wendens Ambo, West Mersea, West Thurrock, Westcliff On Sea, Wethersfield, White Notley, Wickford, Wickham Bishops, Witham, Wivenhoe, Woodford, Woodford Bridge, Woodford Green, Woodham Mortimer, Woodham Walter, Writtle.

Youngs End.