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You qualify for two types of loan. Select either:

	Homeowner Loan Is secured on your home. Rates depend on your circumstances; usually lower than an unsecured loan and often more flexible.
	Unsecured Loan Not secured on your home. May not qualify you for the best rates. Applying to a number of lenders may affect your credit score.

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Based on your information we recommend you speak to a personal debt adviser.

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Whether a loan is your best option
Consolidating your debts
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Natwest Loans

Loans are like assets and they improve the economy. They are assets not for the borrower but for the lender who will earn by lending. Money from loans can be used for any purpose. They can be used to improve the house, buy a car or do some debt consolidation. The need for money is plenty and at large. There are many financial institutions which give money in the form of loans in the United Kingdom. Among them Natwest is a popular lender.

Natwest is a leading bank in the United Kingdom offering personal loans to its customers. The terms and conditions for the bank’s customers to get a loan are different from the terms for the new customer. Personal Loans for Natwest customers can be done online. After applying they need to send the documents for the loan by post. Natwest will send the documents by post to the customer who needs to check and sign the documents and resend them to the Natwest office. Once the documents are received by the office the loan funds are transferred to the customer’s account within two working days.

New customers of Natwest do not have the facility to apply online. Instead they need to contact the bank to get the loans. The loan funds are transferred to the customer’s account within five working days of receipt of required documentation and successful approval of the loan.

Natwest offers loan amounts ranging from £1,000 to £25,000. The borrowing term also varies according to the amount of the loan like for amounts below £15,000 it is five years and loans between £15,000 and £25,000 it is seven years. If the purpose of the loan is for home improvements then term can be extended beyond 10 years. However there is a minimum borrowing period which is one year for Natwest customers and two years for new customers.

Anyone above the age of 18 who is a Natwest customer and new customers above the age of 22 can apply for the loan. They are required to have a good credit history with no CCJs and bankruptcy. There is a requirement of holding a current account either with Natwest or any other bank with direct debit facility to take the Natwest personal loan.

Payment protection is available for all Natwest personal loans. This insurance helps in times of major illness, loss of job or accident and the customer is unable to repay the installments. Natwest’s Payment Protection has been awarded give stars by Defaqto, thereby making the insurance among the top 10% for providing very strong cover.

Queries regarding the personal loans are answered by the Natwest customer service over telephone lines open from Monday to Friday from 8 1.m. to 8 p.m. and on Saturdays from 9 a.m. to 6 p.m. Separate lines are available to answer to technical difficulties with the application.

Natwest provides the best of personal loans to its customers with special privileges to existing customers who hold Natwest accounts. It is surely the best deal that you can get from Natwest.