Lowest loan rate is just 6. 4. Interest for the previous year will then be calculated and applied to your account retrospectively upon receipt of your repayment details. Non- status loans are currently not available. Your student loan repayments will be nine per cent of anything you earn over these amounts.

Loans available for the majority of nationalities for either house purchase or re- financing for other purposes including home improvements. The student loan for maintenance is to help pay your living costs during term times and holidays. If you exceed both repayment thresholds, you can obtain further advice by calling the student loans company on 0870 240 6298, mon - fri 08:00 - 17:30. Outstanding loans are written off.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. You get one low rate of interest applied to all your borrowing - so there's no need to pay higher rates on expensive loans or credit cards. Example: repayment mortgage of approx €70, 000 over a period of 20 years at an initial fixed interest rate of 3. 20. Type of loan: available on a repayment basis only.

No profit is made on the loan itself. Example: repayment mortgage of £50, 000 over a period of 30 years at an interest rate of 4. 50. Maximum student loan for maintenance in 2006/2007. For loans over € 100, 000, a straight variable rate scheme is available at approx 4. 75%. Type of loan: available on a repayment basis only.