Secured Loans

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Rates from 2.9%*


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What is a Secured Loan?


Also known as a ‘second charge mortgage’ or ‘homeowner loan’.

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.

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Accepted Money

Debt Consolidation

Consolidating 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.

Home Improvements

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.

New Car

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.

Second Home

Are you thinking of buying a second home? If yes, then you will probably need a second mortgage.

Getting a loan is easier than you think

How it works?


Check Your Rate

Select your loan amount, answer a few questions and get your lowest eligible rates instantly.

Choose Your Loan

Choose the offer with the terms that work best
for you.

Get Your Funds

Your money goes straight to your bank account via direct
deposit.

*SECURED LOANS - Rates from 2.9% variable. We also have a range of plans with rates up to 65.2% allowing us to help customers with a range of credit problems. Representative 8.6% APRC variable. Representative example: if you borrow £10,000 over 10 years at an Annual Interest Rate of 5.14% (variable) you would make 120 payments of £122.71 per month. The total amount repayable will be £14725.20 (This includes a lender fee of £495 and a broker fee of £1000 which have been added to the loan.) The overall cost for comparison is 8.6% APRC representative. Maximum APR 65.2%.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.

Why Accepted Money?

At Accepted Money we could find you a lower interest rate than other existing options such as credit cards and other unsecured borrowing.

A short initial conversation with one of our expert advisors can get you a quote tailored specifically to your needs and circumstances. Our aim is to help you make the whole process as fast and simple as possible getting you the funds you need to get on with your plans.

Whether it be a new car, home improvements or even consolidating any existing debts Accepted Money are here to help.

Get Started Today

Why Accepted Money?

At Accepted Money we could find you a lower interest rate than other existing options such as credit cards and other unsecured borrowing.

A short initial conversation with one of our expert advisors can get you a quote tailored specifically to your needs and circumstances. Our aim is to help you make the whole process as fast and simple as possible getting you the funds you need to get on with your plans.

Whether it be consolidating any existing debts, home improvements or even a new car Accepted Money are here to help.

Get Started Today

Decision In 24 Hours


Our team will work to help you get a decision from a lender within 24 hours.

Rates Updated Daily


We can find you an ideal loan package at their best rate.

Flexible Loan Terms


We allow you to make overpayments during the life of your loan.

Simple Loan Process


Borrow up to 95% of your property’s value less your existing mortgage balance

Choose Amount

Provide Documents

Loan Approved

Your loan will be processed and funds paid

Apply now for a secured loan

Frequently Asked Questions


What can I use a secured loan for? +

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.

How much can I borrow?+

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.

What happens after I apply for my loan? +

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.

Can I repay my loan early?+

You may repay the outstanding balance early. If there are any early repayment charges, these will be highlighted in the documentation provided.

Will my credit score be affected?+

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.

Who can apply for a secured loan?+

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.

Great customer service from Nick highly recommend him guided me through the whole process excellent service thanks again


Billy Foster

London

Excellent service, saved me looking around. Great regular communication and overall has saved me £350pm.


Eve Calpin

Manchester

The whole process went very smoothly. All my questions were answered in an informative way. What more could you ask for?


Edward Woods

Edinburgh