It can therefore make sense to borrow a larger amount, say £7,000 instead of £6,500. Just make sure you dont take on a debt that you cannot afford to repay.
Term of the loan. The size of the loan will to some extent determine the term of the loan. It is, for example, difficult to pay off a £7,000 loan in just one year as the monthly payments would be relatively high. However, if you borrow only £1,000, a term of 12 months is more manageable.
You also have to consider the cost implications of the loan term as the longer the term, the lower the landbank personal loan payments but the higher the total cost. For example, lets say you borrow £3,000 over three years at 7.
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