magic finance group

Submit Your Question | Questions and Replies

This is the part of the site where you get to ask our experts anything you need help with. You may not understand a certain term on our site or maybe you are unsure which financial solution best suites your circumstances. You can also view everyone else's questions and the answers they received. So here's your chance ask away

Please fill in the form with your question or query below and one of our experts will be back to you shortly.

*Please note if your enquiry is relating to a customer service issue or you are following up an application please use the contact us form on the contact page. :-)

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Greg Cox Greg is a focused and proven Entrepreneur and investor. Since founding the Group last year Greg has built the company significantly and is committed to continued growth and focus of customer satisfaction. His goal is simple look after our clients, innovate and by doing so become the UK’s most successful & forward thinking financial solutions Group.

Dawn Wood Dawn Wood is Operations Manager at Magic Group. Dawn has over a decade of experience in the Secured and Unsecured loans market. Dawn really understands our customers needs and is an important member of our team.

Craig Chalmers Craig Chalmers is the Operations Manager of Magic Debts. Craig has gained a vast knowledge of our industry over the past 6 years; he has worked for two of the best non-lending solution providers firms in the United Kingdom. Craig has a true passion for helping others and continually strives to give the very best customer service to our clients and their creditors and is a vital member of our management team.

David Mullins David heads up all the sales, marketing and business development for the Magic Finance Group. David has over 9 years experience in the finance/marketing industry, having worked for large, well established, market leading finance brokers, lenders and agencies. David's goal is to drive the brand and business forward.

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	Hi i am looking for a loan unsecured and have tried various people my question is do i have to pay a brokers fee,do i need a guarantor,and is there any money needed up front thank you can u email please not ring for now thanks
	It really depends on what type of loan you qualify for due to your circumstances. For some of the loans we provide we do charge an upfront fee however we also have a large range of loans and products where there is no upfront fee charged. An example for this is if you fitted the criteria for a loan with Black Horse there would not be a fee applicable however if you were a homeowner and took out a secured loan with Nemo there would be a fee however this would only be payable on completion of the loan. With regard to your question on whether you would need a Guarantor this would again depend on your circumstances. We do deal with two Guarantor loan companies and these would usually apply to clients who were looking for more than two thousands pounds and either had a poor credit history or did not have a much of a previous credit history. If you call one of our team they will be able to discuss your options with you based on your circumstances. I hope this helps to answer your questions:-)

Hi i am looking for a loan unsecured and have tried various people my question is do i have to pay a brokers fee,do i need a guarantor,and is there any money needed up front thank you can u email please not ring for now thanks

It really depends on what type of loan you qualify for due to your circumstances. For some of the loans we provide we do charge an upfront fee however we also have a large range of loans and products where there is no upfront fee charged. An example for this is if you fitted the criteria for a loan with Black Horse there would not be a fee applicable however if you were a homeowner and took out a secured loan with Nemo there would be a fee however this would only be payable on completion of the loan. With regard to your question on whether you would need a Guarantor this would again depend on your circumstances. We do deal with two Guarantor loan companies and these would usually apply to clients who were looking for more than two thousands pounds and either had a poor credit history or did not have a much of a previous credit history. If you call one of our team they will be able to discuss your options with you based on your circumstances. I hope this helps to answer your questions:-)

	Hi, I currently have a mortgage and the LTV is around 84%. I am looking to consolidate around £20,000 of debt. I have not missed any payments in the past. Are there any companies offering secured loans to suit my circumstances as the LTV will be above 90%? Thanks, James
	Hi Jamie, There are currently no lenders offering over 90% LTV on secured loans at the moment. There may be some other options available to you though including unsecured loans and debt consolidation plans. If you call our team on 0845 491 8855 they will be able to go through your options.

Hi, I currently have a mortgage and the LTV is around 84%. I am looking to consolidate around £20,000 of debt. I have not missed any payments in the past. Are there any companies offering secured loans to suit my circumstances as the LTV will be above 90%? Thanks, James

Hi Jamie, There are currently no lenders offering over 90% LTV on secured loans at the moment. There may be some other options available to you though including unsecured loans and debt consolidation plans. If you call our team on 0845 491 8855 they will be able to go through your options.