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...without Astronomical Rates

Find the best mortgage deals for you without affecting your credit score

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Here’s who you’ll have on side: A surveyor, who gets you a condition report; a solicitor, who handles all the legal stuff; and your case manager, who supports you the whole way.

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Your ideal deal.

Our mortgage matcher learns more about you, compares your options & reveals your perfect deal

Expert advice.

Chat with a friendly member of the Numo team to confirm & finalise everything

Stress-free.

Sit back as we submit your application & handle the hard work until you complete

Access like never before

View your application status with ease, talk to your dedicated adviser, upload your documents securely and download your mortgage offers.

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Help all the way

Why Choose Numo?

Leave the financing to us! We’ll make sure you’re presented with the best mortgage deal that suits your circumstances. You can wave goodbye to any doubts and dive into securing your new mortgage.

Experienced team by your side

Confused? No worries, our mortgage experts are always here to help you make the right decision. Get in touch with us today, and let's make your dreams become reality!
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What is Hire Purchase?

Hire purchase (HP) is a way of financing a car without paying the entire cost upfront.

You pay a deposit receive the car and throughout the duration of the contract you will continue to pay a monthly payment then at the end of the contract the car is completely yours.

Hire Purchase

Hire purchase (HP) is a way of financing a car without paying the entire cost upfront. At the beginning of the contract you pay a deposit, and receive the car. Throughout the duration of the contract you will continue to pay a monthly payment and at the end of the contract the car is completely yours.

Personal Contract Purchase

A personal contract purchase (PCP) is a car financing option that offers lower monthly payments than a personal loan or vehicle hire purchase. Instead of paying off the entire cost of the vehicle, you are only required to pay a fraction of it. You may find it beneficial if you like to get a new vehicle frequently.

Personal Loan

You can borrow a lump sum from a lender to pay for the car upfront and spread the payment over an agreed period of time. You’ll own the car outright from the beginning and usually won't have to pay a deposit.
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FAQs

Everything you need to know about Carki and Car Finance. Can’t find the answer you’re looking for? Please chat to our team.
What details do I need to apply?
To compare hire purchase or personal loans for vehicle finance, there are a few details we’ll need from you to find the best quotes.
These are:
Your address.
Contact details.
Your income, expenditures and employment.
How much you wish to borrow.
How long you would like to borrow for.
Can I get finance for a used car?
Yes, we can compare hire purchase agreements and personal loans for used cars.
What happens if I miss a payment?
Missing a loan repayment can have negative consequences, so ensure to speak to your loan provider if you are falling behind with repayments. It could result in the lender repossessing the vehicle.

A missed payment could harm your credit score or even result in a county court judgement against you.
What is a soft search?
A soft search enables you to see if you are eligible for a loan without leaving a mark on your credit report. It’s a useful way of finding a loan without harming your chances of being accepted.
Do I need to put down a deposit?
Most lenders do not require a deposit for you to go ahead, but don't worry if the car you choose does need one, as we will advise you straight away and you will be free to look for another car. A personal loan does not require a deposit at all. As long as you can keep up with the monthly payments, this option will help you finance a vehicle without having to pay a deposit.
Will comparing impact my credit score?
When comparing, there will be no impact on your credit score because it will only be a ‘soft search’. When applying for a loan, a credit check is carried out which could impact your credit score. When you compare with Sensible, we will only do a ‘soft search’ and won’t impact your credit score in any way.
What does APR stand for?
APR stands for Annual percentage rate and takes into account the interest and fees you’ll pay on money you borrow. When borrowing from credit cards, you can avoid paying interest if you pay your balance in full each month by the due date.
Can I sell my car if it's on finance?
If you are still paying for the car you will be unable to sell it. This is because until you have paid the finance in full, it is not legally yours. If you have paid off the car in full, you will be able to sell it if you choose to.
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