Find The Best Consolidation Loan For You With Rates From 5.99%!

Great, personal customer service

Great, personal customer service

Phillip Bacchus

No hesitation in recommending him to friends and family

Kevin is an absolute star, he was incredibly helpful throughout the whole process….We would have no hesitation in recommending him to friends and family.

Jane Reed

I have used this Company 3 times now and I highly recommend them

Thank you Very much for a very efficient and speedy service. from start of application process to completion .
i have used this Company 3 times now and I highly recommend them
very friendly and supportive
can’t thank you enough

Susan Thompson

A delight to talk to honest and reliable

A delight to talk to honest and reliable
everything explained in perfect English and no hidden extra charges.
I couldn’t be more pleased with my account.

John lownsbrough

Pragmatic, diligent, patient

He has provided the best alternatives and solutions which match our needs. He is pragmatic, diligent, patient and always keen to answer all the questions you may have. I can’t recommend Martyn and Pure Financial Solutions highly enough.

Jaime Sánchez Serrano

Complete our 20 Second Quote Request Form 👇
We'll call you and sort the rest!

Secure

UK Site

SSL

Secured

About the loan

(WE CANNOT HELP TENANTS)

Contact details

(Required)
Postal code(Required)

Is There A Best Time To Call?

Best Time To Call

Please select the best time to call - if you cannot answer when we ring - just reply to our SMS or WhatsApp and arrange a time direct with us.

How It Works With One Monthly Payment

complete our quick 30 second form to start!

Get a free personalised quote, from our friendly qualified advisors

Receive your funds from your chosen lender

We’re here to make sure you get the best deal available!

Secure

All circumstances considered

Your advisor will search through our leading panel of lenders to find the best loan available to suit your needs. Don’t worry if you have don’t have a perfect credit history we are here to help, even if you have CCJ’s, defaults or are self employed.

Commitment

Proper, old fashioned customer service!

Real people, dealing with real people! Our UK based team have combined experience of 61 years helping people with loans and remortgages. We understand that everyone’s circumstances are different and we will take the time to get to know you and find the product that works best for your unique situation.

Not Just Another

See the options you could be accepted for – without affecting your credit rating!

With our free quote service, there are no upfront application fees, you are under no obligation and our loan and mortgage comparison service will not affect your credit rating.

What is a Homeowner Loan?

A homeowner loan, also known as a secured loan or a second charge mortgage, is a loan that is secured against your property.

Because the loan is secured against your property you can often borrow more money, at a lower interest rate than you could with a personal loan.

You can use your loan for any legal reason ranging from debt consolidation, to home improvements, to repaying a tax bill.

Quick, free and easy quotes. We make the process simple and straight forward.

Compare deals from the UK’s leading lenders with rates from as low as 5.99%

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENT ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

One Monthly Payment is a trading style of Pure Financial Solutions Limited registered in England and Wales, company number 04037714. Pure Financial Solution Limited’s registered office is Redruth House, Cornwall Business Park West, Scorrier, Redruth, TR16 5EZ

Pure Financial Solutions Limited is authorised and regulated by the Financial Conduct Authority under registration 712612. Details of our FCA permissions can be found on the FCA register www.fca.org.uk. Pure Financial Solutions Limited are a registered data processor and controller with the Information Commissioners Office under registration number Z6619654. See our privacy policy for more information about how we process your data.

Pure Financial Solutions Limited is a credit broker and not a lender. Lender fees may apply. Any fees are subject to status and product. We never ask for an upfront fee Pure Financial Solutions Limited may also receive a commission from a product provider once you receive your product. Pure Financial Solutions Limited is completely transparent throughout the application process of any fees associated with any product.

Representative Example for Second Charge Mortgages: If you borrow £15,000 over 10 years, initially on a fixed rate for 5 years at 6.74% and for the remaining 5 years on the Lender’s standard variable rate of 10.25%, you would make 60 monthly payments of £200.80 and 60 monthly payments of £218.05. The total amount of credit is £17,495 (this includes a Lender Fee of £995 and a Broker Fee of £1,500). The total repayable would be £25,131.00. The overall cost for comparison is 11.6% APRC representative. This means 51% or more of our clients receives this rate or better for this type of product. We have arranged borrowing with rates from 4.9% to 29% APRC which has allowed us to help customers with a range of credit profiles. We are a broker not a lender.

Secured Loans have a minimum term of 36 months to a maximum term of 360 months. Maximum APRC charged 29%. If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

The actual APRC you are eligible for depends on your individual circumstances and product selected.

Customer Privacy Notice

Why should you read this document?

During the course of dealing with us, we will ask you to provide us with detailed personal information relating to your existing circumstances, your financial situation and, in some cases, your health and family health history (Your Personal Data). This document is important as it allows us to explain to you what we will need to do with Your Personal Data, and the various rights you have in relation to Your Personal Data.

 
What do we mean by “Your Personal Data”?

Your Personal Data means any information that describes or relates to your personal circumstances.   Your Personal Data may identify you directly, for example your name, address, date of birth, national insurance number. Your Personal Data may also identify you indirectly, for example, your employment situation, your physical and mental health history, or any other information that could be associated with your cultural or social identity. 

In the context of providing you with assistance in relation to your Mortgage/Finance and Insurance requirements Your Personal Data may include:

  • Title, name, date of birth, gender, nationality, civil/marital status, contact details, addresses and documents that are necessary to verify your identity
  • Employment and remuneration information, (including salary/bonus schemes/overtime/sick pay/other benefits), employment history 
  • Bank account details, tax information, loans and credit commitments, personal credit history, sources of income and expenditure, family circumstances and details of dependents
  • Health status and history, details of treatment and prognosis, medical reports (further details are provided below specifically with regard to the processing we may undertake in relation to this type of information) 
  • Any pre-existing mortgage/finance and insurance products and the terms and conditions relating to these
 
The basis upon which our firm will deal with Your Personal Data

When we speak with you about your mortgage/finance and insurance requirements we do so on the basis that both parties are entering a contract for the supply of services. 

In order to perform that contract, and to arrange the products you require, we have the right to use Your Personal Data for the purposes detailed below.

Alternatively, either in the course of initial discussions with you or when the contract between us has come to an end for whatever reason, we have the right to use Your Personal Data provided it is in our legitimate business interest to do so and your rights are not affected.  For example, we may need to respond to requests from mortgage lenders, insurance providers and our Compliance Service Provider relating to the advice we have given to you, or to make contact with you to seek feedback on the service you received.

On occasion, we will use Your Personal Data for contractual responsibilities we may owe our regulator, The Financial Conduct Authority, or for wider compliance with any legal or regulatory obligation to which we might be subject.  In such circumstances, we would be processing Your Personal Data in order to meet a legal, compliance or other regulatory obligation to which we are subject.

The basis upon which we will process certain parts of Your Personal Data

Where you ask us to assist you with for example your insurance, in particular life insurance and insurance that may assist you in the event of an accident or illness, we will ask you information about your ethnic origin, your health and medical history (Your Special Data). We will record and use Your Special Data in order to make enquiries of insurance providers in relation to insurance products that may meet your needs and to provide you with advice/guidance regarding the suitability of any product that may be available to you.    

If you have parental responsibility for children under the age of 13, it is also very likely that we will record information on our systems that relates to those children and potentially, to their Special Data.

The arrangement of certain types of insurance may involve disclosure by you to us of information relating to historic or current criminal convictions or offences (together “Criminal Disclosures”). This is relevant to insurance related activities such as underwriting, claims and fraud management. 

We will use Special Data and any Criminal Disclosures in the same way as Your Personal Data generally, as set out in this Privacy Notice.

Information on Special Category Data and Criminal Disclosures must be capable of being exchanged freely between insurance intermediaries such as our Firm, and insurance providers, to enable customers to secure the important insurance protection that their needs require.

 

How do we collect Your Personal Data?

We will collect and record Your Personal Data from a variety of sources, but mainly directly from you. You will usually provide information during the course of our initial meetings or conversations with you to establish your circumstances and needs and preferences in relation to mortgage/finance and insurance.  You will provide information to us verbally and in writing, including email. 

We may also obtain some information from third parties, for example, credit checks, information from your employer and searches of information in the public domain such as the voters roll.  If we use technology solutions to assist in the collection of Your Personal Data, for example software that is able to verify your credit status, we will only do so if we have consent from you, for us, or our nominated processor to access your information in this manner. With regards to electronic ID checks we would not require your consent but will inform you of how such software operates and the purpose for which it is used.

 

What happens to Your Personal Data when it is disclosed to us?

In the course of handling Your Personal Data, we will:

  • Record and store Your Personal Data in our paper files, mobile devices and on our computer systems (websites, email, hard drives, and cloud facilities). This information can only be accessed by employees and consultants within our firm and only when it is necessary to provide our service to you and to perform any administration tasks associated with or incidental to that service.
  • Submit Your Personal Data to Product Providers/Mortgage Lenders/Commercial Lenders and Insurance Product providers, both in paper form and on-line via a secure portal. The provision of this information to a third party is essential in allowing us to progress any enquiry or application made on your behalf and to deal with any additional questions or administrative issues that lenders and providers may raise.  Where you are making an application for credit, the lender may refer to  a credit reference agency who will process your data.  This may impact upon your credit rating.
  • Use Your Personal Data for the purposes of responding to any queries you may have in relation to any mortgage/finance and insurance you may take out, or to inform you of any developments in relation to those products and/or policies of which we might become aware.

 

Sharing Your Personal Data 

From time to time Your Personal Data will be shared with:

  • Mortgage lenders / Finance lenders / Insurance providers 
  • Third parties who we believe will be able to assist us with your enquiry or application, or who are able to support your needs as identified. These third parties will include but may not be limited to, our compliance advisers, product specialists, estate agents, providers of legal services such as estate planners, conveyancing, surveyors and valuers (in each case where we believe this to be required due to your particular circumstances).

In each case, Your Personal Data will only be shared for the purposes set out in this Customer Privacy Notice, i.e. to progress your mortgage/finance and insurance enquiry and to provide you with our professional services.  

Please note that this sharing of Your Personal Data does not entitle such third parties to send you marketing or promotional messages, it is shared to ensure we can adequately fulfil our responsibilities to you, and as otherwise set out in this Customer Privacy Notice.

We do not envisage that the performance by us of our service will involve Your Personal Data being transferred outside of the United Kingdom or European Economic Area. 

If data is transferred outside the EEA whether the transfer is made on the basis of an adequacy decision by the European Commission under Article 45 of the UK GDPR.  If the transfer is not made on the basis of an adequacy decision, give people brief information on the safeguards put in place in accordance with Article 46, 47 or 49 of the UK GDPR. 

 

Security and retention of Your Personal Data

Your privacy is important to us and we will keep Your Personal Data secure in accordance with our legal responsibilities. We will take reasonable steps to safeguard Your Personal Data against it being accessed unlawfully or maliciously by a third party.

We also expect you to take reasonable steps to safeguard your own privacy when transferring information to us, such as not sending confidential information over unprotected email, ensuring email attachments are password protected or encrypted and only using secure methods of postage when original documentation is being sent to us.

Your Personal Data will be retained by us either electronically or in paper form for a minimum period of 6 years following the advice/service you receive from us, although your data could be held for a longer period where this may be needed to meet the requirements of our regulatory bodies. 

 
Your rights in relation to Your Personal Data

You can:

  • request copies of Your Personal Data that is under our control
  • ask us to further explain how we use Your Personal Data
  • ask us to correct, delete or require us to restrict or stop using Your Personal Data (details as to the extent to which we can do this will be provided at the time of any such request)
  • ask us to send an electronic copy of Your Personal Data to another organisation should you wish
  • change the basis of any consent you may have provided to enable us to market to you in the future (including withdrawing any consent in its entirety)
 
How to make contact with our Firm in relation to the use of Your Personal Data

If you have any questions or comments about this document, or wish to make contact in order to exercise any of your rights set out within it please contact:

The Compliance Manager

If we feel we have a legal right not to deal with your request, or to action it in a different way to how you have requested, we will inform you of this at the time.

You should also make contact with us as soon as possible on you becoming aware of any unauthorised disclosure of Your Personal Data, so that we may investigate and fulfil our own regulatory obligations.

If you have any concerns or complaints as to how we have handled Your Personal Data you may lodge a complaint with the UK’s data protection regulator, the ICO, who can be contacted through their website at https://ico.org.uk/global/contact-us/ or by writing to Information Commissioner’s Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

Dealing with Your Complaint

At Pure Financial Solutions, our aim is to provide you, at all times, with a first class standard of service and the highest standards of advice.  However, there may be occasions when you feel that these objectives have not been achieved.  We take all complaints seriously and will deal with your concerns in the following manner;

  • We will first acknowledge your complaint promptly following receipt, enclosing a copy of these procedures.
  • If you make an oral complaint, our written acknowledgement will set out our understanding of your complaint. 
  • If we have reasonable grounds to be satisfied that another firm may be solely or jointly responsible for the concerns arising, we will promptly forward the complaint or the relevant part of it to that firm. We will write to you to confirm our actions and provide contact details of the firm concerned.
  • Where we are able to resolve your complaint within 3 full business days following receipt, and this is to your satisfaction, we will issue a written summary of our findings and conclusion.  If having received this letter you remain dissatisfied, you may refer the issue to the Financial Ombudsman Service (FOS) who can be contacted at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR, Telephone 0800 0234 567 or www.financial-ombudsman.org.uk. We will also provide you with a copy of the Financial Ombudsman Service leaflet; ‘your complaint and the ombudsman’.
  • If your complaint cannot be resolved within this time, we will ensure that you are kept informed of our progress with regard to the investigation.
  • We will endeavour to send you our Final Decision Letter; addressing your concerns and providing you with our decision within 8 weeks or keep you informed of the progress if it is not resolved before then. 
  • If our investigation is still ongoing after 8 weeks, we will send you confirmation of this in writing along with an explanation as to why we have been unable to complete our investigations within this timescale.  We will also give you an indication when you can next expect contact from us and a copy of the FOS’s leaflet above. 
  • At this stage, you will be entitled to refer your complaint to the Financial Ombudsman Service (see details above).
  • If your complaint is regarding a pension contract, the Pension Ombudsman can consider complaints about the administration of personal and group personal pensions as well as occupational schemes. You have the right to refer your complaint to The Pensions Ombudsman free of charge. The Pensions Ombudsman can be contacted at 11 Belgrave Road, London, SW1V 1RB, Telephone 0800 917 4487 or www.pensions-ombudsman.org.uk  
  • We will continue to investigate your complaint until we are in a position to send you our Final Decision Letter. 
  • If your complaint is upheld, we will provide you with fair compensation for any acts or omissions for which we are responsible, once you have accepted our decision.
  • If you are not satisfied with the outcome of your complaint, you can refer the matter to the FOS at the above address. Please note you must refer the matter to them within 6 months of the date of our Final Decision Letter.  Further details about this will be confirmed in the FOS’s leaflet.
  • We shall deem the matter closed when our Final Decision Letter has been issued or where you have accepted our earlier response.