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OCEAN FINANCE®
Ocean Credit Card Ocean Credit Card See if it’s a ‘yes‘ before you apply Personal loans Personal loan Find a loan from £1,000 to £15,000 Secured loans Secured loan Find a loan from £10,000 to£100,000
CREDIT CARDS UK
We can confirm if you’ll be accepted before you apply. We use QuickCheck to determine your eligibility. The best part? You’re the only one who can see this on your credit report, so it doesn’t affect your credit score one bit.. If the answer is a yes, then you can apply online with confidence. FREE LOAN CALCULATOR UK Personal loans: Ocean Finance is a trading style of Intelligent Lending limited. We are a credit broker working with a panel of lenders to find you a personal loan. Homeowner loans: Homeowner loans are secured against your property. We are a broker and we arrange secured loans from a panel of lenders. HOW DO I KNOW WHEN TO PAY MY CREDIT CARD? How do I know when to pay my credit card? Ideally, you want to pay off your credit card bill in full, each month, before the due date. The benefits of this include avoiding any interest and helping to keep your credit utilisation as low as possible. WHAT HAPPENS AFTER MY MORTGAGE OFFER IS ISSUED? You’ve applied for a mortgage and you’ve had an offer – hooray! But what happens next? Well, the good news is the hardest bit is over. The application process COSTS TO CONSIDER BEFORE INVESTING IN A BUY-TO-LET Property value threshold. Stamp Duty rates for one home. Stamp Duty rates for second home. £0 - £125,000. 0%. 3%. £125,001 - £250,000. 2%. 5%. £250,001 - £925,000 HOW DOES A MORTGAGE IN PRINCIPLE AFFECT MY CREDIT SCORE Getting your mortgage in principle means your offer will be taken more seriously when you're trying to buy a property. However, if the lenderperforms a hard
FIVE WAYS TO REDUCE YOUR FASHION CONSUMPTION Fashion is one of the biggest impactors on both the planet and the wallets of many people. Earlier in 2019, statistics showed that the fashion industry had a bigger carbon footprint than the airline and maritime industries combined.. It’s an eye-watering impact, which is why the fashion industry has made steps to become more sustainable and the backlash against constant consumerism for HOW MUCH DOES A CCJ AFFECT MY CREDIT SCORE? CCJs are not what you want stamped on your credit file. Find out how long you could be stuck with one and what you can do about it. F1 RACE COSTS: THE COST OF ATTENDING FORMULA ONE Up there with the FIFA World Cup, The Masters and Wimbledon, the Formula 1 (F1) Grand Prix is one of the most-loved sporting events inthe UK.
OCEAN FINANCE®
Ocean Credit Card Ocean Credit Card See if it’s a ‘yes‘ before you apply Personal loans Personal loan Find a loan from £1,000 to £15,000 Secured loans Secured loan Find a loan from £10,000 to£100,000
CREDIT CARDS UK
We can confirm if you’ll be accepted before you apply. We use QuickCheck to determine your eligibility. The best part? You’re the only one who can see this on your credit report, so it doesn’t affect your credit score one bit.. If the answer is a yes, then you can apply online with confidence. FREE LOAN CALCULATOR UK Personal loans: Ocean Finance is a trading style of Intelligent Lending limited. We are a credit broker working with a panel of lenders to find you a personal loan. Homeowner loans: Homeowner loans are secured against your property. We are a broker and we arrange secured loans from a panel of lenders. HOW DO I KNOW WHEN TO PAY MY CREDIT CARD? How do I know when to pay my credit card? Ideally, you want to pay off your credit card bill in full, each month, before the due date. The benefits of this include avoiding any interest and helping to keep your credit utilisation as low as possible. WHAT HAPPENS AFTER MY MORTGAGE OFFER IS ISSUED? You’ve applied for a mortgage and you’ve had an offer – hooray! But what happens next? Well, the good news is the hardest bit is over. The application process COSTS TO CONSIDER BEFORE INVESTING IN A BUY-TO-LET Property value threshold. Stamp Duty rates for one home. Stamp Duty rates for second home. £0 - £125,000. 0%. 3%. £125,001 - £250,000. 2%. 5%. £250,001 - £925,000 HOW DOES A MORTGAGE IN PRINCIPLE AFFECT MY CREDIT SCORE Getting your mortgage in principle means your offer will be taken more seriously when you're trying to buy a property. However, if the lenderperforms a hard
FIVE WAYS TO REDUCE YOUR FASHION CONSUMPTION Fashion is one of the biggest impactors on both the planet and the wallets of many people. Earlier in 2019, statistics showed that the fashion industry had a bigger carbon footprint than the airline and maritime industries combined.. It’s an eye-watering impact, which is why the fashion industry has made steps to become more sustainable and the backlash against constant consumerism for HOW MUCH DOES A CCJ AFFECT MY CREDIT SCORE? CCJs are not what you want stamped on your credit file. Find out how long you could be stuck with one and what you can do about it. F1 RACE COSTS: THE COST OF ATTENDING FORMULA ONE Up there with the FIFA World Cup, The Masters and Wimbledon, the Formula 1 (F1) Grand Prix is one of the most-loved sporting events inthe UK.
OCEAN FINANCE®
Ocean Credit Card Ocean Credit Card See if it’s a ‘yes‘ before you apply Personal loans Personal loan Find a loan from £1,000 to £15,000 Secured loans Secured loan Find a loan from £10,000 to£100,000
LOAN HELP | LOAN ADVICE & GUIDES | OCEAN FINANCE® Loan Guides From home improvement to debt consolidation, it’s hard to know where to begin when considering a loan. We investigated the ins and outs of loan types, eligibility, and common approval processes to make it easy for you to navigate your options.INSURANCE ADVICE
Category: Car Insurance What happens if I don’t insure my car? Car insurance is a legal requirement as a motorist in the UK. If you’re thinking of driving uninsured, read on to find out why you shouldreconsider.
MORTGAGE HELP
Mortgage Guides From knowing exactly when to remortgage to finding out what impacts a mortgage application, there’s so much to learn. Our guides look to answer your common (and not so common) questions in a clear and informative way, to help you make an informed decision. CREDIT CARDS EXPLAINED Credit Card Guides Find out everything you need to know about credit cards, your eligibility and how to get approved. It can be tricky to understand the difference between credit card types and determine which one is right for you.SECURED LOAN
Secured borrowing involves tying a loan to an asset, such as your home; How much you can borrow with a secured loan depends on your individual financial circumstances, the lender’s criteria and the value of the asset you’re using as collateral; Secured loans range between around £10,000 and £100,000 but this can vary depending on the lender; For smaller amounts, you may consider a IS A PERSONAL LOAN SECURED OR UNSECURED? What is a personal loan? A personal loan is a lump sum of money that you borrow. The amount can range from £1,000 up to around £25,000, depending on the lender and your individual circumstances.DEALS OF THE WEEK
We’ve been checking out all the latest offers available to help you save some money. From theme parks, to the cinema, shops and more, get the best deals this week. CAN YOU USE YOUR CAR AS COLLATERAL FOR A LOAN? You may be able to use your car as collateral for a logbook loan, depending on the lender’s criteria Logbook loans can be more expensive and riskier than other types of loans; The lender is the legal owner of the vehicle until you pay off the loan in full; If you stop making your repayments on the loan, the lender can repossess yourcar; Show More
IS IT EASIER TO GET A SECURED LOAN? Is it easier to get a secured loan with bad credit? It can be easier for homeowners with bad credit to get a secured loan (compared to an unsecured loan) because an asset is used as security.. Since the lender could sell your home to claim back funds (in the worst-case scenario), they tend to rely less on your credit score when considering your application.OCEAN FINANCE®
Intelligent Lending Ltd is a credit broker working with a panel of lenders to find you a loan. The APR you are offered will depend on your individual circumstances. Rates between 5.1% APR and 89.8% APR. Repayment terms between 1 year and 5 years. You and your money.CREDIT CARDS UK
We can confirm if you’ll be accepted before you apply. We use QuickCheck to determine your eligibility. The best part? You’re the only one who can see this on your credit report, so it doesn’t affect your credit score one bit.. If the answer is a yes, then you can apply online with confidence. APPLY FOR AN OCEAN CREDIT CARD TODAY Capital One will supply your personal details to credit reference agencies to do a pre-application check of your credit file. Only you will be able to see this check so it won't impact your credit score. Ocean Finance may also use your details for data profiling to offer you relevant products. If CONTACT OCEAN FINANCE® LTV stands for loan-to-value. This is the ratio of what you're borrowing as a proportion of your property’s value. For example, if your home is worth £200,000 and your remaining mortgage is £80,000 this would mean you have a loan-to-value of 40% and £120,000 ofequity.
HOW DO I KNOW WHEN TO PAY MY CREDIT CARD? Payments on credit cards are usually monthly, you can find out from your lender when yours is due. This is the amount of time you have where no interest is charged, usually a month, if you repay in full. Certain cards offer longer interest-free periods as an incentive for signing up, so you may have longer to pay that money back (you willstill
ALL THE WAYS TO PAY
Payment in shops is done via a terminal, which reads the card, connects with you bank and requests a PIN for payment authorisation. Payment online will trigger a security process from your bank that requests that you input security details, which are different to your PIN. Now payments using your debit card may be contactless too,depending on
HOW TO CHECK HOW MANY CREDIT CARDS I HAVE Well this is actually quite simple to do. For details on all the credit you’ve taken out, including any credit cards, loans, mortgages and even your mobile phone provider, you need to look at your credit history. When you take out credit, your lender will notify the three main credit reference agencies – Experian, Equifax andCallcredit.
MY HOME'S VALUE HAS GONE UP. SHOULD I REMORTGAGE? If your home has gone up in value, it may be worth remortgaging. Let’s take a look at why: Get a better deal. When you remortgage, you switch to a new mortgage deal or lender because your current deal has ended.You can also take out a larger mortgage, clear your original balance and spend the extra money, on home improvements or a new car,for example.
SHOULD I TAKE A LOAN OUT FOR SOMEONE ELSE? Regardless of how close your relationship is, if you do take out a loan for someone else, the only person legally responsible for repaying that money is you. As far as your agreement with your lender goes, you’re taking the money out in your name for you, so BUYING A HOME FOR YOUR CHILD: HOW TO AVOID NEW STAMP DUTY 12%. 15%. You might be in a position where you have significant savings set aside, or you’re downsizing to a smaller home and it’s freed up some equity. If you’re planning on using this money to buy a property – or a large chunk of it – outright, you will have to pay the higher rates of Stamp Duty.OCEAN FINANCE®
Intelligent Lending Ltd is a credit broker working with a panel of lenders to find you a loan. The APR you are offered will depend on your individual circumstances. Rates between 5.1% APR and 89.8% APR. Repayment terms between 1 year and 5 years. You and your money.CREDIT CARDS UK
We can confirm if you’ll be accepted before you apply. We use QuickCheck to determine your eligibility. The best part? You’re the only one who can see this on your credit report, so it doesn’t affect your credit score one bit.. If the answer is a yes, then you can apply online with confidence. APPLY FOR AN OCEAN CREDIT CARD TODAY Capital One will supply your personal details to credit reference agencies to do a pre-application check of your credit file. Only you will be able to see this check so it won't impact your credit score. Ocean Finance may also use your details for data profiling to offer you relevant products. If CONTACT OCEAN FINANCE® LTV stands for loan-to-value. This is the ratio of what you're borrowing as a proportion of your property’s value. For example, if your home is worth £200,000 and your remaining mortgage is £80,000 this would mean you have a loan-to-value of 40% and £120,000 ofequity.
HOW DO I KNOW WHEN TO PAY MY CREDIT CARD? Payments on credit cards are usually monthly, you can find out from your lender when yours is due. This is the amount of time you have where no interest is charged, usually a month, if you repay in full. Certain cards offer longer interest-free periods as an incentive for signing up, so you may have longer to pay that money back (you willstill
ALL THE WAYS TO PAY
Payment in shops is done via a terminal, which reads the card, connects with you bank and requests a PIN for payment authorisation. Payment online will trigger a security process from your bank that requests that you input security details, which are different to your PIN. Now payments using your debit card may be contactless too,depending on
HOW TO CHECK HOW MANY CREDIT CARDS I HAVE Well this is actually quite simple to do. For details on all the credit you’ve taken out, including any credit cards, loans, mortgages and even your mobile phone provider, you need to look at your credit history. When you take out credit, your lender will notify the three main credit reference agencies – Experian, Equifax andCallcredit.
MY HOME'S VALUE HAS GONE UP. SHOULD I REMORTGAGE? If your home has gone up in value, it may be worth remortgaging. Let’s take a look at why: Get a better deal. When you remortgage, you switch to a new mortgage deal or lender because your current deal has ended.You can also take out a larger mortgage, clear your original balance and spend the extra money, on home improvements or a new car,for example.
SHOULD I TAKE A LOAN OUT FOR SOMEONE ELSE? Regardless of how close your relationship is, if you do take out a loan for someone else, the only person legally responsible for repaying that money is you. As far as your agreement with your lender goes, you’re taking the money out in your name for you, so BUYING A HOME FOR YOUR CHILD: HOW TO AVOID NEW STAMP DUTY 12%. 15%. You might be in a position where you have significant savings set aside, or you’re downsizing to a smaller home and it’s freed up some equity. If you’re planning on using this money to buy a property – or a large chunk of it – outright, you will have to pay the higher rates of Stamp Duty. ONLINE CURRENT ACCOUNT The current account that can help. improve your credit score. Guaranteed acceptance* - No credit checks to sign up. Hassle-free budgeting - Money for bills is kept aside. No nasty surprises - Say goodbye to hidden fees and charges. Open account. Download the app. It takes minutes to open an account. LOAN HELP | LOAN ADVICE & GUIDES | OCEAN FINANCE® Loan Guides From home improvement to debt consolidation, it’s hard to know where to begin when considering a loan. We investigated the ins and outs of loan types, eligibility, and common approval processes to make it easy for you to navigate your options.INSURANCE ADVICE
Category: Car Insurance What happens if I don’t insure my car? Car insurance is a legal requirement as a motorist in the UK. If you’re thinking of driving uninsured, read on to find out why you shouldreconsider.
CREDIT CARDS EXPLAINED Credit Card Guides Find out everything you need to know about credit cards, your eligibility and how to get approved. It can be tricky to understand the difference between credit card types and determine which one is right for you.MORTGAGE HELP
Mortgage Guides From knowing exactly when to remortgage to finding out what impacts a mortgage application, there’s so much to learn. Our guides look to answer your common (and not so common) questions in a clear and informative way, to help you make an informed decision.SECURED LOAN
Secured borrowing involves tying a loan to an asset, such as your home; How much you can borrow with a secured loan depends on your individual financial circumstances, the lender’s criteria and the value of the asset you’re using as collateral; Secured loans range between around £10,000 and £100,000 but this can vary depending on the lender; For smaller amounts, you may consider a SECONDHAND CAR FINANCING EXPLAINED You may be able to get a used car on finance; The deals your eligible for depends on your individual circumstances and the lender’s criteria; Before deciding whether secondhand car financing is a good idea, consider the pros and cons carefully It’s likely that you’ll find it cheaper to finance a used car than a new one, but make sure you shop around to find the best deal for you WHAT HAPPENS WHEN MY MORTGAGE IS PAID OFF? When you take out a repayment mortgage, you agree to a term, typically 25 years, that your repayments will be spread across. As long as you’ve paid off everything you owe, once this term ends, you’ll be mortgage-free. There are a few things that can change the initial agreed term of your mortgage. For example, if you’ve previously IS A PERSONAL LOAN SECURED OR UNSECURED? What is a personal loan? A personal loan is a lump sum of money that you borrow. The amount can range from £1,000 up to around £25,000, depending on the lender and your individual circumstances. HOW TO BUY YOUR PARTNER OUT OF YOUR HOUSE To remove your ex-partner from the original mortgage agreement and the Title Deeds, you’ll need to complete a Transfer of Equity. This means that you’ll be the sole owner of the property and agree to pay your partner their share of the equity in the property following a valuation. This valuation will be carried out by your lender.OCEAN FINANCE®
Intelligent Lending Ltd is a credit broker working with a panel of lenders to find you a loan. The APR you are offered will depend on your individual circumstances. Rates between 5.1% APR and 89.8% APR. Repayment terms between 1 year and 5 years. You and your money.CREDIT CARDS UK
We can confirm if you’ll be accepted before you apply. We use QuickCheck to determine your eligibility. The best part? You’re the only one who can see this on your credit report, so it doesn’t affect your credit score one bit.. If the answer is a yes, then you can apply online with confidence. CONTACT OCEAN FINANCE® LTV stands for loan-to-value. This is the ratio of what you're borrowing as a proportion of your property’s value. For example, if your home is worth £200,000 and your remaining mortgage is £80,000 this would mean you have a loan-to-value of 40% and £120,000 ofequity.
HOW DO I KNOW WHEN TO PAY MY CREDIT CARD? Payments on credit cards are usually monthly, you can find out from your lender when yours is due. This is the amount of time you have where no interest is charged, usually a month, if you repay in full. Certain cards offer longer interest-free periods as an incentive for signing up, so you may have longer to pay that money back (you willstill
WHAT HAPPENS WHEN MY MORTGAGE IS PAID OFF? When you take out a repayment mortgage, you agree to a term, typically 25 years, that your repayments will be spread across. As long as you’ve paid off everything you owe, once this term ends, you’ll be mortgage-free. There are a few things that can change the initial agreed term of your mortgage. For example, if you’ve previously QUICKCHECK COMES TO THE OCEAN CREDIT CARD Learn how to find out if you'll be accepted for credit before you apply - without affecting your credit score. If you're looking at a credit builder credit card, like the one from Ocean, you'll want to know straight up if you're going to be accepted before you apply, rather than risk a bad mark on your credit rating. Just by borrowing a relatively small amount on this and making sure you pay FIVE WAYS TO REDUCE YOUR FASHION CONSUMPTION Fashion is one of the biggest impactors on both the planet and the wallets of many people. Earlier in 2019, statistics showed that the fashion industry had a bigger carbon footprint than the airline and maritime industries combined.. It’s an eye-watering impact, which is why the fashion industry has made steps to become more sustainable and the backlash against constant consumerism for WHAT HAPPENS AFTER MY MORTGAGE OFFER IS ISSUED? When this happens, a lender may decide to lend you some of the money you need to borrow, but to hold back a portion of it until you have fixed the issue. This is known as mortgage retention. It can cause real difficulties for buyers if you can’t afford to fix the issues using your own funds, and may even mean you have to walk away from thesale.
HOW TO BUY YOUR PARTNER OUT OF YOUR HOUSE To remove your ex-partner from the original mortgage agreement and the Title Deeds, you’ll need to complete a Transfer of Equity. This means that you’ll be the sole owner of the property and agree to pay your partner their share of the equity in the property following a valuation. This valuation will be carried out by your lender. COSTS TO CONSIDER BEFORE INVESTING IN A BUY-TO-LET There are two sets of costs you’ll need to cover if you invest in a buy-to-let. The first are those connected to actually buying the property and the second are your running costs. When you purchase a buy-to-let, you’ll have to pay for all the same costs you would with a residential property, which you can read about in more detail here.OCEAN FINANCE®
Intelligent Lending Ltd is a credit broker working with a panel of lenders to find you a loan. The APR you are offered will depend on your individual circumstances. Rates between 5.1% APR and 89.8% APR. Repayment terms between 1 year and 5 years. You and your money.CREDIT CARDS UK
We can confirm if you’ll be accepted before you apply. We use QuickCheck to determine your eligibility. The best part? You’re the only one who can see this on your credit report, so it doesn’t affect your credit score one bit.. If the answer is a yes, then you can apply online with confidence. CONTACT OCEAN FINANCE® LTV stands for loan-to-value. This is the ratio of what you're borrowing as a proportion of your property’s value. For example, if your home is worth £200,000 and your remaining mortgage is £80,000 this would mean you have a loan-to-value of 40% and £120,000 ofequity.
HOW DO I KNOW WHEN TO PAY MY CREDIT CARD? Payments on credit cards are usually monthly, you can find out from your lender when yours is due. This is the amount of time you have where no interest is charged, usually a month, if you repay in full. Certain cards offer longer interest-free periods as an incentive for signing up, so you may have longer to pay that money back (you willstill
WHAT HAPPENS WHEN MY MORTGAGE IS PAID OFF? When you take out a repayment mortgage, you agree to a term, typically 25 years, that your repayments will be spread across. As long as you’ve paid off everything you owe, once this term ends, you’ll be mortgage-free. There are a few things that can change the initial agreed term of your mortgage. For example, if you’ve previously QUICKCHECK COMES TO THE OCEAN CREDIT CARD Learn how to find out if you'll be accepted for credit before you apply - without affecting your credit score. If you're looking at a credit builder credit card, like the one from Ocean, you'll want to know straight up if you're going to be accepted before you apply, rather than risk a bad mark on your credit rating. Just by borrowing a relatively small amount on this and making sure you pay FIVE WAYS TO REDUCE YOUR FASHION CONSUMPTION Fashion is one of the biggest impactors on both the planet and the wallets of many people. Earlier in 2019, statistics showed that the fashion industry had a bigger carbon footprint than the airline and maritime industries combined.. It’s an eye-watering impact, which is why the fashion industry has made steps to become more sustainable and the backlash against constant consumerism for WHAT HAPPENS AFTER MY MORTGAGE OFFER IS ISSUED? When this happens, a lender may decide to lend you some of the money you need to borrow, but to hold back a portion of it until you have fixed the issue. This is known as mortgage retention. It can cause real difficulties for buyers if you can’t afford to fix the issues using your own funds, and may even mean you have to walk away from thesale.
HOW TO BUY YOUR PARTNER OUT OF YOUR HOUSE To remove your ex-partner from the original mortgage agreement and the Title Deeds, you’ll need to complete a Transfer of Equity. This means that you’ll be the sole owner of the property and agree to pay your partner their share of the equity in the property following a valuation. This valuation will be carried out by your lender. COSTS TO CONSIDER BEFORE INVESTING IN A BUY-TO-LET There are two sets of costs you’ll need to cover if you invest in a buy-to-let. The first are those connected to actually buying the property and the second are your running costs. When you purchase a buy-to-let, you’ll have to pay for all the same costs you would with a residential property, which you can read about in more detail here.PERSONAL LOANS UK
Apply online in as little as 3 minutes. Representative Example: If you borrow £1,500 over 24 months at an annual interest rate of 54.2% (fixed), Representative 69.9% APR (variable), you would pay £103.65 per month. The total amount repayable will be £2,487.60. We have arranged loans with rates from 5.1% to 89.9% APR which has allowed usto
LOAN HELP | LOAN ADVICE & GUIDES | OCEAN FINANCE® Loan Guides From home improvement to debt consolidation, it’s hard to know where to begin when considering a loan. We investigated the ins and outs of loan types, eligibility, and common approval processes to make it easy for you to navigate your options. CREDIT CARDS EXPLAINED Credit Card Guides Find out everything you need to know about credit cards, your eligibility and how to get approved. It can be tricky to understand the difference between credit card types and determine which one is right for you.INSURANCE ADVICE
Category: Car Insurance What happens if I don’t insure my car? Car insurance is a legal requirement as a motorist in the UK. If you’re thinking of driving uninsured, read on to find out why you shouldreconsider.
MORTGAGE HELP
Mortgage Guides From knowing exactly when to remortgage to finding out what impacts a mortgage application, there’s so much to learn. Our guides look to answer your common (and not so common) questions in a clear and informative way, to help you make an informed decision.ALL THE WAYS TO PAY
Payment in shops is done via a terminal, which reads the card, connects with you bank and requests a PIN for payment authorisation. Payment online will trigger a security process from your bank that requests that you input security details, which are different to your PIN. Now payments using your debit card may be contactless too,depending on
IS HIGHER OR LOWER APR BETTER? Let’s say you take out a £1,000 loan for one year with an APR of 15%. The cost of the loan over the year is £150. So including the amount you’ve borrowed, you would have to repay a total of £1,150. Applying for a credit card or loan with a low APR means that it would cost you less overall to borrow than if you borrowed with a high APR. IS IT EASIER TO GET A SECURED LOAN? Is it easier to get a secured loan with bad credit? It can be easier for homeowners with bad credit to get a secured loan (compared to an unsecured loan) because an asset is used as security.. Since the lender could sell your home to claim back funds (in the worst-case scenario), they tend to rely less on your credit score when considering your application. IS A PERSONAL LOAN SECURED OR UNSECURED? What is a personal loan? A personal loan is a lump sum of money that you borrow. The amount can range from £1,000 up to around £25,000, depending on the lender and your individual circumstances. BUYING A HOME FOR YOUR CHILD: HOW TO AVOID NEW STAMP DUTY 12%. 15%. You might be in a position where you have significant savings set aside, or you’re downsizing to a smaller home and it’s freed up some equity. If you’re planning on using this money to buy a property – or a large chunk of it – outright, you will have to pay the higher rates of Stamp Duty. Skip main navigation Ocean Finance applauds the work our NHS heroes and fantastic keyworkers are doing.
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* CREDIT LIMIT OF UP TO £1,500 * QUICKCHECK WON’T AFFECT YOUR CREDIT RATING * GET A FAST RESPONSE IN 60 SECONDS Check now Check now 39.9% APR Representative (variable) Intelligent Lending Ltd (Credit Broker). Capital One is the exclusive lender. CREDIT CARD PERSONAL LOANSHOMEOWNER LOANS
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WHY CHOOSE OCEAN FINANCE We’ve been arranging finance solutions since 1991 and it’s our mission to take the hassle out of applying for credit.GET A THUMBS UP
You can CHECK YOUR ELIGIBILITY for all of our products without affecting your credit score WE LOOK AT ALL CIRCUMSTANCES Whether your credit score is in good shape or less-than-ideal, we can FIND THE BEST OPTION for you OVER A MILLION ACCEPTED We’ve said yes to 1.1 MILLION loan and credit card applications inthe past 5 years
SEE WHAT OUR CUSTOMERS SAY ABOUT US You want great service, who wouldn’t? Well, we’re proud to deliver nothing short of excellence and our customers seem to agree! Take a look at genuine reviews from our happy customers who we’ve helped get accepted for an Ocean credit card, loan or mortgage. "Very help full and no probs either them very helpfull" Mr Latham4 weeks ago "Excellent, efficient and simple service. Lovely staff."1 week ago
"I found Ocean handled our remortgage very efficiently and kept us up to date at all times especially Becky who did a fantastic job liaising with the solicitors and quickly getting matters sorted when one or two minor hiccups arose. All Ocean staff we dealt with were really friendly and professional in the way they handled everything from start to finish. Many thanks."4 weeks ago
"Friendly service with a focus on helping us get a good loan. I deducted one star because we constantly had to remind them that we don't have mobile signal where we live and that the landline had to do. Communication was therefore tedious."4 weeks ago
"Was very quick at responding tjj ok all my queries"4 weeks ago
"There were professional helpful and sorted my application out quickly and smoothly even in the current climate. I would recommend them" Mr Kenworthy4 weeks ago "Very help full and no probs either them very helpfull" Mr Latham4 weeks ago "Excellent, efficient and simple service. Lovely staff."1 week ago
HOW ABOUT A PERSONAL LOAN? Find out your chances of being PRE-APPROVED FOR A LOAN OF UP TO £10K with NO IMPACT ON YOUR CREDIT SCORE.Tell me more
Intelligent Lending Ltd is a credit broker, not a lender. We work witha panel of lenders.
You and your money
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MORE ABOUT OUR PRODUCTSPERSONAL LOANS
LOANS FROM £100 TO £10,000. Choose a repayment period from 3 monthsto 5 years.
Ideal if you're not a homeowner or don't want to use your home as part of the deal - Find out more .HOMEOWNER LOANS
Secured loans exclusively available to homeowners. BORROW BETWEEN £10,000 AND £100,000 for almost any purpose, and pay it back over 3 to 25 years – Find out more . DEBT CONSOLIDATION LOANS A LOAN TO REDUCE YOUR MONTHLY PAYMENTS. Makes managing your debts simpler by rolling them into a single affordable monthly payment –Find out more .
HOME IMPROVEMENT LOANS IMPROVE, DON'T MOVE! If you need to extend or improve your home, we offer a selection of home improvement loans from our panel of lenders to suit your individual needs and requirements – Find out more.
BAD CREDIT LOANS
OCEAN FINANCE HAVE HOMEOWNER AND PERSONAL LOAN PLANS AVAILABLE FOR PEOPLE WITH OR WITHOUT CREDIT PROBLEMS. Our lenders don't just lend to people with a perfect credit history. If you have been unfortunate enough to have defaults, CCJs or even missed mortgage payments on your credit history, we may still be able to help – Find out more.
MORTGAGES & REMORTGAGES Through our qualified mortgage advisers, WE OFFER A WIDE RANGE OF MORTGAGE DEALS FROM HIGH STREET LENDERS THROUGH TO SPECIALIST LENDERS. We also offer help and advice on the right kind of mortgage for your needs – Find out more . LOANS WE CAN HELP WITH Click to find out more* Cheap loans
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CAN WE HELP YOU TODAY? Whether it’s a question or you just need support, we’re here to help.Get in touch* CONTACT
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Ocean Finance,
Think Park,
Trafford Park, Mosley Rd,Manchester
M17 1FQ
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