A secured loan can allow you to use equity you have built up in your home as security against what you borrow. This can allow you to borrow more than you might otherwise be able to with an unsecured loan, but at a manageable rate. So you can finally finance that big expenditure you have been dreaming of, or simply consolidate your current debt into one affordable monthly payment.
Get Started TodayConsolidating debt usually involves taking out new credit in the form of a debt consolidation loan to pay off existing credit. Extra costs can be involved and to understand the risks it is important to get impartial advice before going ahead with this.
A home improvement loan can be used as an upfront payment for work you want to do to improve your home. With a secured loan you can use the money to install a new kitchen or bathroom, or build an extension or loft conversion.
Whether you’re buying your first vehicle or looking to upgrade your current model, a car loan can be a way to finance your purchase.
Are you thinking of buying a second home? If yes, then you will probably need a second mortgage.
Select your loan amount, answer a few questions and get your lowest eligible rates instantly.
Choose the offer with the terms that work best
for you.
Your money goes straight to your bank account via direct
deposit.
Our team will work to help you get a decision from a lender within 24 hours.
We can find you an ideal loan package at their best rate.
We allow you to make overpayments during the life of your loan.
Borrow up to 95% of your property’s value less your existing mortgage balance
The most common uses of a Secured Loan are consolidating debts, home improvements or to pay major costs, such as a wedding or holiday. You can use a secured loan for almost any purpose.
You can borrow from £5,000 to £500,000 subject to status. The amount you can actually borrow will be dependent on factors including what you can afford and the amount of equity you have in your property.
From receiving your enquiry, we will contact you to assess in detail your requirements. This will include a breakdown of your income and expenditure to ensure the loan is affordable.
You may repay the outstanding balance early. If there are any early repayment charges, these will be highlighted in the documentation provided.
A soft search will generally be carried out initially upon enquiry which doesn't affect your credit score. You will be able to see this search on your credit report, but it won’t be visible to other lenders. A full credit search will be performed when you sign the relevant paperwork/ application forms.
To apply for a secured loan, you need to be a homeowner with a mortgage and has equity in your property that meets individual lenders criteria.. If you have a jointly owned home, you must apply for the secured loan jointly with that other person.