FIRSTPLUS Debt Consolidation
We've helped over 250,000 UK homeowners take control of their finances.
Since our creation in 1997 we've worked hard in achieving our goal of becoming the market leader in providing Homeowner Loans. We have a dedicated team of over 450 staff based exclusively in our offices in Cardiff, providing customers with a competitive product with a personalised service.
Our aim is to make applying for a loan as easy and simple as possible. We also aim to provide you with a loan that enables you to take control of your life, not weigh it down.
At FIRSTPLUS we don't believe in standing still and we're constantly looking to progress and improve the way we work and totally focused on delivering our customers a great service.
Why we're different
We like to think a bit differently from our competitors. That's why our very first priority is to make sure we lend you an amount you can afford to repay.
So if you're thinking of borrowing, we've put together a checklist of things you should consider:
•make sure you can afford it - look at your monthly budget carefully before borrowing
•decide how much you need to borrow - interest on loans may vary depending on the amount borrowed
•decide on the loan period - a long repayment period may mean lower repayments but it also means you will pay more interest over the life of your loan
•don't be tempted to borrow too much - borrow only what you need and what you can afford
•always read the small print before signing - terms vary widely and may not be appropriate for your needs so read them carefully. Always ask if there's something you're not too sure about
•try not to borrow to the very limit of your finances - think about what would happen if you or your partner falls ill or an unexpected bill arrives
What is a Homeowner Loan?
Our Homeowner Loan is a secured loan, which means everyone who borrows from us has to own their own home and have a mortgage. We ONLY lend to homeowners with a mortgage and no one else.
Why choose a Homeowner Loan?
Because a Homeowner Loan is secured and you can often borrow over a longer period of time, Homeowner loans can usually offer a more attractive interest rate in comparison to personal unsecured lending like personal loans and credit cards. Our typical rate is 6.9% APR variable.
How much can you borrow?
Any amount from just £5,000 up to £100,000 with a repayment term of 5 to 25 years. And if you need a bit extra later on, you can always request to borrow more (up to a maximum £100k).
