Loan comparison websites are everywhere these days, stuffed full of those typical rates which only 1 in 4 applicants will get.

To find out the actual rate, you'd have to select one of the many links they provide and fill out the lender's application form.

You would usually have to wait hours - sometimes days - to know if your application has been accepted, and what rate of interest you actually qualify for.

Then if you want another quote from a different lender you have to go through the whole rigmarole again, back to the loan comparison site, select another lender, complete another full application form all over again and wait again to see if you qualify.

The more times you apply, the more credit searches are made against your name. That's not good for your credit rating.

The Lending Wizard is different.

First, tell us about yourself.

We will use this information to determine which loans you qualify for and the actual rates our lending partners can offer you.

We've worked closely with them to ensure that the APRs we quote are the rates you will actually get.

Because you don't need to submit applications to get your actual quotes, your credit rating is not impacted.

To apply all you have to do is pick the loan, review the application and click 'apply' to send it to the lender for final approval.

We transfer your details directly to the lender of your choice. The lender will then contact you to confirm your loan has been approved and to get the money transferred.

It's that easy.