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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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.