Services
Personal Loans
A personal loan solves a specific problem — renovations, a car, a medical bill, a course. What varies enormously between lenders is the total cost, and that is where it pays not to accept the first offer.
We do not do payday lending and we do not promise guaranteed approval. We look at your situation, put the request where it makes sense, and explain the total cost before you sign anything.
Look at the APR, not the payment
Stretching the term lowers the monthly payment and raises the total you repay. The TAEG (APR) includes interest, fees and required insurance, and is the only figure that lets you compare offers honestly.
Purpose changes the terms
Loans with a declared purpose — renovations, a vehicle, education — are usually priced better than an unspecified personal loan. Structuring the request properly is worth real money.
We compare several lenders
We take the request to different banks and finance houses and show you the offers with the total cost alongside, not just the monthly figure.
We tell you when it is a bad idea
If what you actually need is to reorganise existing credit rather than add to it, we will say so. One more loan rarely fixes a cash-flow problem.
No cost to the client
Our service costs you nothing. We are paid by the lending institution the contract is signed with.
FAQ
The questions we are asked most often.
What is the difference between TAN and TAEG?
TAN is the nominal interest rate alone. TAEG adds fees, taxes and required insurance, and is therefore the real measure of cost. Two offers with an identical TAN can have very different TAEG.
Do I need insurance?
Not always, but many of the lower-rate offers are conditional on taking life or payment-protection cover. Where that applies the insurance counts towards the TAEG and should be judged as part of the total.
Can I repay early?
Yes, in part or in full, and the fee is capped by law. If you expect a lump sum in the medium term, tell us — it can change which offer is actually best for you.
Let's discuss your case
Tell us what you need. We normally reply the same working day.
How we can help
Mortgages
Buying a home, building, or funding renovations.
Mortgage Transfer
Move your mortgage to another bank and cut the monthly payment.
Debt Consolidation
Combine several loans into a single monthly payment.
Insurance
Life, home, motor, health and business cover.