YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Initial Details

Think Loans Ltd trading as Imagine Loans - Information for Homeowners without a mortgage

A secured loan is only available to homeowners who currently have a mortgage on their property. As you are a homeowner without a mortgage, we would not be able to offer you this product.

When you have no mortgage, a loan secured against your property would be registered as a first charge mortgage.

Imagine Loans are not authorised to offer first charge mortgages.

Thank you for your interest

Think Loans Ltd trading as Imagine Loans - Information for Non-Homeowners

Imagine Loans only offers services to homeowners.

As you are not a homeowner, Imagine Loans will be unable to assist you with your enquiry.

Thank you for your interest.

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Personal Details

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Contact Details

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Financial Details

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Property Details

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Data Protection & Credit Checks

You need to be aware of what will happen to the personal information you provide. In considering your application Imagine Loans will obtain a "soft search" or "enquiry search" of your records at a credit reference agency. This search will not be seen by other companies and will not affect your credit record or score. An "application credit search" will be carried out once a lender has given us an intention to lend and will only be done after you have confirmed you wish to proceed with your loan application. The credit reference agency will add to your record details of our search and your application. This will be seen by other organisations carrying out later searches. Imagine Loans may use a credit scoring or other automated decision making system when assessing your application. It is therefore important that you give us totally accurate information.

Imagine Loans and other organisations may use and search these records to:

  • help make decisions about credit and credit related services, for you and members of your household;
  • help make decisions on motor, household, credit, life and other insurance proposals and insurance policies;
  • trace debtors, recover debt, prevent fraud and to manage your accounts or insurance policies;
  • check your identity to prevent money laundering, unless you furnish us with other satisfactory proof of identity. The credit reference agency/ies and the fraud prevention agency/ies will also use the records for statistical analysis about credit, insurance and fraud.

The information you provide may be recorded with one or more credit reference agencies.

(ONLY APPLIES IF MORE THAN 1 APPLICANT) You have disclosed information about a joint applicant, and you are confirming you are entitled to do so. An "association" between joint applicants and between you and anyone you tell us is your financial partner will be created at the Credit Reference Agencies. This will link your financial records, each of which will be taken into account in all future applications by either or both of you until one of you successfully files a disassociation at the Credit Reference Agencies.

Please telephone Imagine Loans on: 0800 710 1777 if you want to have details of those credit reference agencies from whom Imagine Loans obtain information and with whom Imagine Loans record information about you. You have a legal right to these details. You have a right, on payment of a fee, to receive a copy of the information Imagine Loans hold about you if you apply to us in writing. The Data Controller is Think Loans Limited trading as Imagine Loans. Completion of this application means that you agree to your personal data being used in accordance with our Data Protection Policy.

       

Representative 6.9% APRC Variable
This means at least 51% of our customers are given this rate or lower. Rates from 4.8% APRC Variable. We also have Secured Loan plans with rates up to 34.9% APRC Variable allowing us to help customers even with the most severe credit problems. A broker fee of up to 7% may be charged, up to a maximum fee of £2,975. On loan applications we receive a commission fee from the lender on completion and we estimate this will be 2% of the loan advanced. This is separate from our broker fee and is an additional fee we receive. We recommend all customers obtain independent legal advice before signing any documentation. We are a broker, not a lender. Loans are secured on your home
If you are thinking of consolidating existing borrowing you should be aware that if you are extending the term of the debt you may be increasing the total amount you repay. For help, go to www.moneyadviceservice.org.uk

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.

We recommend all customers receive Independent Legal Advice before signing any documents.

Telephone calls are recorded for training and compliance purposes. Imagine Loans® is a trading style of Think Loans Limited, Company Registration Number 5271214 in England. Registered office 119 The Hub, 300 Kensal Road, London W10 5BE. Imagine Loans and The Imagine Loans logo are registered trademarks. Think Loans Limited is an appointed representative of Specialist Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority. Specialist Financial Services Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference 676853.
Imagine Loans, Audley House, Northbridge Road, Berkhamsted, Hertfordshire, HP4 1EH.

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